Critical illness plans can reduce or completely drop your benefits after you reach a certain age when you might need the coverage the most. For some, critical illness insurance provides peace of mind, which should not be discounted.

If routine exams are all you need, the cost of insurance might not be worth it. Take a look at the cost for one year of vision insurance compared with the cost of an eye exam. ... If you do need corrective lenses in addition to preventive care, you're probably better off with the insurance

Short-term policies typically cover home care, assisted living and nursing homes when you can't take care of yourself. But instead of paying for years of care, short-term care insurance, especially when that care is 12 months or less

While cost is often a concern, you can save money in the long run if you take the time to consider the type of care your family needs. You can also help avoid hefty dental expenses by anticipating future needs.

Long-term care insurance is insurance that helps pay for the costs associated with long-term care. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid

Disability Insurance, often called DI or disability income insurance, or income protection, is a form of insurance that insures the beneficiary's earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work.