"Always keep two things in stock: crunchy vegetables and an emergency savings account."
Michael F. Roizen, MD, and Jean Chatzky, personal finance commentator
Authors of Ageproof: Living Longer Without Running Out of Money or Breaking a Hip
¹ American Psychological Association, February 4, 2015; The Telomere Effect: A Revolutionary Approach to Living Younger, Healthier, Longer, by Blackburn and Epel; and Ageproof: Living Longer Without Running Out of Money or Breaking a Hip, by Chatzky and Roizen
² The cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased. A complete statement of coverage, including exclusions, exceptions, and limitations, is found only in the policy. It should be noted that long-term care carriers have the discretion to raise their rates and remove their products from the marketplace.