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Most people think of life insurance as just insurance that can pay for funeral expenses and leave some money for those who are left behind. But life insurance is misunderstood and has uses far beyond what you might imagine. While paying for final expenses and having income replacement is really important for those you love, life insurance can be so much more.

Check out these seven ways you may be able to use your permanent life insurance before you—well, check out.

What encompasses a comprehensive retirement plan? For many, planning for retirement focuses just on the need for consistent income and not running out of money. Comprehensive planning should also include protecting financial assets.

The cost of a chronic or critical illness can devastate any retirement plan. The price of medication for life-saving therapies...

As people save for retirement, they strive to determine how much they will need to maintain the lifestyle they live. However, saving up for retirement becomes more complicated as time progresses. People buy homes, while at the same time they are paying off student loans or paying for their children’s education. The kids sign up for chess, taekwondo or basketball and there are tournament fees and uniforms to buy. Simple living costs make it hard to save. How does one keep up with retirement savings?

Life insurance can sometimes be hard to understand. Do I really need it and if so, how much? Whether you decide you need life insurance or not, below we clear up some of the most common misunderstandings about life insurance.

Myth #1: I don’t need life insurance. I have some through my job.

Truth: Life insurance offered through your employer is a great benefit–while you have it.

Hurricanes Harvey and Irma have brought both windstorm and flood damage to hundreds of thousands of residents. For those who do not have federal flood insurance, their homeowner’s insurance most likely will not cover flood losses to their primary residence. But residents should know there may be another option for assistance: a hardship distribution or loan.

There always seems to be a negative association with healthy living and saving money. You feel great about yourself, but one trip to Whole Foods and your whole paycheck is gone. But don’t worry, there are many choices that we make on a daily basis that impact our health, and these (sometimes very small) choices are what can help make us better off financially in the long run.

Anyone who has ridden a rollercoaster can distinctly recall the “click, click, click” sound as the car climbs to the top of the first and largest incline. Instinctively, the rider knows they are about to defy the laws of gravity for few a seconds of sheer terror and exhilaration bundled into one sensation. Riding that rollercoaster is a lot like preparing to send your child off to college for the first time.

Many people refer to the culture at National Life as one of family. The genuine caring and interest we have for one another is obvious, especially when a crisis situation arises. Recently my colleagues Terri Carlyle and her sister-in-law and fellow National Life employee Mona McCain shared their niece’s story with me, bringing attention to a silent killer. Here it is in their words.

Millennials, a generation born roughly between the years of 1982 to 2000, are noted as being self-loathing, high maintenance, finicky, sarcastic, lazy, entitled, and downright narcissistic. It’s no wonder the generation is so despised! But now, millennials are everywhere. The oldest millennials hit mid-thirties while the Generation-Y millennials pile into the workforce. Millennials now make up more than a quarter of the American population. Here’s what you should know in order to make us an asset in the work force today.

One day you’re graduating from school and out in the working world. The only thing in the future you’re thinking about are your weekend plans. Don’t blink. The future will be here before you know it.

The next thing you know, you’re married with a couple of kids, you have a mortgage and debt is slowly creeping into your perfect world. Your focus now is on school work, sports and raising your children. But don’t blink.