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Life insurance is designed to provide financial protection for the people you care about most. But even if you have adequate coverage, an outdated beneficiary designation could mean the death benefit won't go to the person you intended.

When you purchase a life insurance policy, you name one or more beneficiaries who will receive the proceeds after your death. Those choices may make sense at the time, but relationships, family circumstances and financial priorities can change.

One of the perennial hassles in the agricultural sector is getting trucks or tractors stuck in the mud, dirt or snow.

Unfortunately, during these times workers stand a greater chance of getting injured, or worse. But you can avoid the chances of that happening by training your workers in safe towing practices when dislodging a stuck vehicle.

One way people in or near retirement try to reduce their overall tax bills is to engage in a Roth IRA conversion, which essentially moves funds from a 401(k) or an individual retirement account into a Roth IRA.

Doing so can provide significant tax advantages, including tax-free withdrawals in retirement. However, you generally owe income tax on the portion you convert that hasn't already been taxed, so timing matters. Here's how to get it right.

As health plan deductibles, copays and coinsurance continue increasing, many people face staggering out-of-pocket costs if they have a health scare that requires emergency room treatment or hospitalization.

If you get health insurance through your employer or purchase a plan on the Affordable Care Act Marketplace, you are likely feeling the effects of these higher costs. Studies have found again and again that many Americans would be in dire financial straits if they experienced a serious health emergency. What would you do if you were suddenly starting at a massive hospital bill?

Buyers of long-term care insurance often focus on just the coverage basics, such as the level of daily benefits, length of coverage and under what conditions the policy will pay a claim.

While these basics form the chassis of the policy, long-term care policies offer a host of other options that may prove beneficial to the policyholder. Take a look at these features.

A study by the International Communications Research found  that more than 55% of working adults would not be able to cover their living expenses if they became disabled and could not work for more than a year. 

Slightly more than 10% of the survey's participants believed that they may become disabled at some point. Unfortunately, most  people did not understand the full financial impact should they become disabled. 

As the holiday season approaches, many businesses are preparing to deck their halls with festive lights, Christmas trees and other decorations.

But these displays can introduce workplace hazards that employers may not encounter during the rest of the year. From electrical fires and overloaded circuits to trips and falls, holiday decorations can put employees and office visitors at risk. They can also create compliance issues under OSHA regulations and local fire codes.

Life changes quickly and your insurance coverage needs to keep pace. Whether you've welcomed a new child, remodeled your home or purchased expensive jewelry, these changes can affect how much coverage you need.

That's why it's important to review your homeowner's, auto and other personal insurance policies at least once a year — preferably two to three months before they renew. An annual review with us can help identify gaps in coverage, determine whether your policy limits are adequate and uncover potential savings.

Home insurance companies are increasingly using drones, satellites and aircraft-mounted cameras to inspect properties for hazards, aging roofs and other conditions that could lead to costly claims.

The technology allows insurers to examine thousands of properties without sending inspectors to each home. Artificial intelligence can analyze the images, identify potential problems and assign risk scores that may influence underwriting decisions. Here's a look at this growing practice and the steps you can take if your insurer flags a risk on your property.

Renting a vehicle for a vacation or business trip often comes with an important question at the rental counter: Should you purchase the insurance coverage offered by the rental company?

Many people make a costly mistake at this juncture. Here's what you need to know to avoid the same mistake.

For high-net-worth individuals, the financial consequences of being sued can be serious business.

They typically have more assets at risk should they be hit with a large court settlement or judgment. And while compensatory damages may be standard across the board, some juries have seen fit to punish the rich especially hard for their negligence. Potential damages have increased sharply in the last 10 years as large verdicts in the millions to tens of millions of dollars have become more common.

As we near the end of the year, it's always good to take time out and take stock of the risks that seem to rise during the holiday season.

During the hustle and bustle, home robberies tend to increase and more cyber criminals come out of the woodwork to take advantage of people who may not be paying as close attention to things as they usually do. On top of that, if you are hosting a holiday party you need to take steps to ensure that your guests don't have an accident.

Here are some things you can do to reduce your liability risk and keep the holidays merry.