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By Todd I. Youngdahl, CFP®

Insurance is intended to protect you from risk and uncertainty that is simply part of life - an unexpected death of a spouse, a debilitating injury, more expensive than expected long-term care needs, etc. Because nobody can predict the future, insurance can play a vital part within your financial plan to cover such costs. As you go through different stages in life, it is important to understand which types of insurance policies you should be considering.