Term life insurance provides coverage for a specified term, typically 10, 20, or 30 years. It offers a death benefit to your beneficiaries if you pass away during the term, but it doesn't accumulate cash value. Whole life insurance, on the other hand, provides lifelong coverage and includes a savings component that builds cash value over time. While term insurance is usually more affordable, whole life insurance can serve as both protection and a long-term investment.

There are several ways to lower your car insurance premiums:

Choose a higher deductible: Increasing your deductible can reduce your premium, but be sure you can afford the higher out-of-pocket expense if you need to make a claim.

Maintain a safe driving record: Safe driving can earn you discounts and prevent premium increases due to accidents or traffic violations.

Bundle policies: Many insurance companies offer discounts when you bundle your auto insurance with other policies like home or renters insurance.

Install safety features: Equipping your vehicle with safety features like anti-theft systems or anti-lock brakes can result in lower premiums.

Shop around: Compare quotes from multiple insurance providers to find the best rates for your needs.

To choose the right Medicare Prescription Drug Plan (Part D), start by reviewing your current medications and their costs under different plans. Use the Medicare Plan Finder tool on the official Medicare website to compare plans based on your drug needs, coverage, and costs. Consider factors such as the plan’s formulary (list of covered drugs), the pharmacy network, monthly premiums, and out-of-pocket costs. Additionally, review the plan’s star ratings for quality and customer satisfaction to make an informed decision.