Your DNA Test If your family relies on your income, it’s critical to know what their needs would be in the event of your death. Share | Have A Question About This Topic? Name Email Address Message Thank you! Oops! Related Content Extended Care: A Patchwork of Possibilities What is your plan for health care during retirement? Universal Life Insurance Universal life insurance is permanent insurance with a flexible premium. Here's how it works. Long-Term-Care Protection Strategies The chances of needing long-term care, its cost, and strategies for covering that cost.