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Aflac: How Life Insurance Can Benefit Different Age Groups

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COLUMBUS, Ga. (Newswire.com) – Aflac: A life insurance policy can benefit a shopper in different ways depending on their age group. As an example, a policy can help young adults keep their families financially secure. Seniors with life insurance can help minimize funeral costs that their surviving family might have to pay.  

Different types of life insurance can be more beneficial for one age group compared to another. Understanding the benefits and which type is best can help with deciding on the best option to choose. 

How life insurance benefits young adults 

Getting a life insurance policy as a young adult can help keep future expenses low. A life insurance policy’s premium is lower for younger people. According to Forbes1, the average annual cost for a 20-year $100,000 term life policy for a 30-year-old female is $108. If a young female adult were to wait to get that same policy at age 50, the average annual cost would be $228.  

Another benefit to getting life insurance young is it can lessen the financial burden for one’s family. If a young person’s parents or relatives were co-signers on any form of debt they have, the policy could help cover it. Additionally, if a young adult has a spouse or children who rely on their income, life insurance can provide future financial protection in the event of their passing. 

How life insurance benefits middle-aged adults 

A middle-aged adult usually has debt, older children, and elderly parents to prioritize when it comes to their finances. Life insurance can be beneficial in each of these cases. A policy can help with covering any remaining student loans, credit card debt, car payments, or mortgage. For middle-aged adults with older children about to enter college, life insurance can help with covering their tuition. Lastly, a policy can help continue covering the daily living expenses of elderly parents. While life insurance premiums at this age will be slightly higher, they will still be more affordable than if one waited until they were a senior. 

How life insurance benefits seniors 

The financial concerns seniors have often revolved around their end-of-life expenses. The benefit of life insurance for seniors is that it can cover their final medical expenses and funeral costs. It can also help with covering any other remaining debt they may have. Some seniors may also be raising second families or have spouses that are still living. The policy benefit can provide financial protection for family members who are still financially dependent on them. 

Types of life insurance each age group can consider 

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Young adults typically have fewer finances saved up compared to middle-aged adults and seniors. For younger adults, term life insurance is an ideal option, given that it’s more affordable. They can lock in a low premium for 10 or 20 years and save money in the long run. Middle age adults can choose to do the same, or if they have more wealth, consider a whole life insurance policy. While these policies are more costly, they feature a cash value component that can accrue interest over time. Final expense insurance, which is a whole life policy, is ideal for seniors, as it’s designed to cover medical bills and funeral expenses. Life insurance shoppers should be sure to consider their age and life circumstances before deciding on a specific policy. 

Coverage is underwritten by Aflac. Final Expense is underwritten by Tier One Insurance Company.

Final Expense: In AR, AZ, ID, OK, OR, PA, TX and VA: Policies ICC21‐AFLLBL21 and ICC21‐AFLRPL21; and Riders ICC21‐AFLABR22, ICC21‐AFLADB22, and ICC21‐AFLCDR22.
Term and Whole Life: In Arkansas, Idaho, Oklahoma, Oregon, Pennsylvania, Texas, and Virginia, Policies: ICC1368100, ICC1368200, ICC1368300, ICC1368400 and Riders: ICC1368050, ICC1368051, ICC1368052, ICC1368053, ICC1368054, ICC1368055. Aflac Juvenile Life Insurance ‐ Policy Series 65000: In Idaho, Oklahoma, Pennsylvania, Texas and Virginia, Policies ICC0965JTO and ICC0965JWO; Policy Series B61000: In Arkansas, Idaho, Oklahoma, Oregon, Pennsylvania, Texas, & Virginia, Policies: ICC18B61JWO & ICC18B61JTO. This is a brief product overview only. Coverage may not be available in all states, including New York. Benefits/premium rates may vary based on plan selected. Optional riders are available at an additional cost. The policy has limitations and exclusions that may affect benefits payable. Refer to the policy for complete details, limitations, and exclusions. For costs and complete details of the coverage, please contact your local Aflac agent.

WWHQ | 1932 Wynnton Road | Columbus, GA 31999
Z2201206 Exp. 12/23

Source: Aflac

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Lifestyle

Preparing Students for What’s Next in Work

Preparing Students: Automation, AI and societal economic changes are affecting the workforce and making a significant impact on the employment prospects of future generations. Consider this guidance to put students on the path toward greater earning potential and economic mobility in a rapidly changing economy.

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Preparing Students: Automation, AI and societal economic changes are affecting the workforce and making a significant impact on the employment prospects of future generations. Consider this guidance to put students on the path toward greater earning potential and economic mobility in a rapidly changing economy.

Preparing Students for What’s Next in Work

(Family Features) Automation, AI and societal economic changes are affecting the workforce and making a significant impact on the employment prospects of future generations. More than one-third of today’s college graduates are “underemployed,” meaning they work jobs that don’t require a college degree and may pay less than a living wage, according to data from the Federal Reserve Bank of New York. At the same time, a World Economic Forum report explored how advances in AI are threatening to negatively impact access to entry-level and even mid-level jobs for millions of Americans. Looking ahead, research by Georgetown University indicates that by 2031, 70% of jobs will require education or training beyond high school. However, data from the National Center for Education Statistics indicate only one-third of high school graduates go on to complete a college degree with many of those being in fields that are not in high-earning, high-growth professions. These challenges are not lost on today’s students. In a survey by Junior Achievement and Citizens, 57% of teens reported AI has negatively impacted their career outlook, raising concerns about job replacement and the need for new skills. What’s more, a strong majority (87%) expect to earn extra income through side hustles, gig work or social media content creation. “To put students on the path toward greater earning potential and economic mobility in a rapidly changing economy, students need proactive education and exposure to transferable skills and competencies, such as creative and critical thinking, financial literacy, problem-solving, collaboration and career planning,” said Jack Harris, CEO, Junior Achievement. This assertion is consistent with findings from the Camber Collective. This social impact consulting group identified four key life experiences students can consider and explore that positively affect lifetime earnings, including:
  • Completing secondary education
  • Graduating with a degree in a high-paying field of study
  • Receiving mentorship during adolescence
  • Obtaining a first full-time job with opportunity for advancement
Students aiming to equip themselves with the skills and experience necessary for the future workforce can seek:
  • Learning opportunities that are designed with the future in mind. For example, learning experiences offered through Junior Achievement reflect the skills and competencies needed to promote economic mobility.
  • Internships or apprenticeships that provide hands-on experience and exposure to a career field that can’t be found in a textbook.
  • Volunteer or extracurricular roles that develop communication and leadership skills. Virtually every career field requires these soft skills for growth and greater earning potential.
  • Relationships that provide insight and connection. Networking with individuals who are already excelling in a chosen field, as well as peers who share similar aspirations, offers perspective from those who are where you wish to be and potentially opens future doors for employment.
  • Courses that offer introductory insight into a chosen career path. Local trade or technical schools and other training organizations may even offer certifications that align with a student’s area of interest.
To learn more about how students can pursue education for what’s next, visit JA.org. collect?v=1&tid=UA 482330 7&cid=1955551e 1975 5e52 0cdb 8516071094cd&sc=start&t=pageview&dl=http%3A%2F%2Ftrack.familyfeatures SOURCE:
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home improvement

5 Ways to Trim Home Energy Bills

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Last Updated on January 4, 2026 by Daily News Staff

Home Energy Bills

(Family Features) After the mortgage, utility costs, including electricity, likely make up one of the most significant portions of monthly budgets for the typical American household. In fact, according to data from the U.S. Energy Information Administration, the average residential electric bill in the United States is $143.

However, reducing your family’s energy costs is possible by following some smart, practical, cost-cutting tips from the heating and cooling experts at Mitsubishi Electric. Consider these ways to help dial down your energy bills.

Service HVAC Systems Regularly
To ensure the best performance and efficiency possible, find a licensed contractor to keep your heating and cooling system well-maintained and serviced throughout the year. There are some tasks many homeowners can handle on their own, like keeping outdoor units free of debris and changing air filters. Some filters are removable and washable, saving you money. However, bringing in a professional 1-2 times a year for maintenance and to ensure proper function of ductwork and electrical components is also essential.

Use Appliances During Non-Peak Hours
Rather than using stoves, ovens and clothing dryers in the afternoon hours, consider doing so early in the morning or late in the evening. Peak time for many electricity providers is noon-6 p.m., meaning using these appliances outside of this timeframe when conventional heating and cooling systems are likely running full throttle can help lower energy costs.

Upgrade Your System
The Inflation Reduction Act (IRA) incentivizes homeowners that opt for energy-efficient air-conditioning and heating options to replace fossil-fuel-fired furnaces. This includes upgrading your existing HVAC system to a qualified heat pump. For example, Mitsubishi Electric heat pumps provide more energy-efficient cooling and heating that equals cost and energy savings as well as a reduced carbon footprint for homeowners.

Installing a smart electrical panel alongside an all-electric heat pump enables homeowners to monitor and control energy consumption on-site or remotely using a smartphone for better overall efficiency and utility cost savings.

Harness the Sun’s Energy with Solar Panels
According to the Office of Energy Efficiency & Renewable Energy, the amount of sunlight that strikes the Earth’s surface in 90 minutes could power the world’s total energy usage for a full year. Investing in solar panels can help decrease energy bills and increase your home’s sustainability. Additionally, some utility providers and government entities, including the IRA, offer incentives to help reduce installation costs.

Avoid Heating or Cooling Unused Spaces
One mistake many homeowners make is forgetting to adjust their temperature settings when leaving the house. Whether you’re headed out for the weekend or just headed to work for the day, running your system in an empty house can result in unnecessarily high utility bills.

Multi-zone, all-electric heat pumps like those from Mitsubishi Electric allow homeowners to set the comfort level and adjust the temperature in each room, reducing the energy waste of cooling unoccupied rooms. With a smartphone app, you can even adjust the settings remotely.

Find more ways to increase energy savings while making your home more sustainable by visiting MitsubishiComfort.com.

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Business and Finance

Make Your Job Work for You

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Last Updated on December 31, 2025 by Daily News Staff

Make Your Job Work for You

Make Your Job Work for You

(Family Features) For some people, job dissatisfaction is the result of a crummy boss or stifling work environment. For others, the problem lies much deeper; it’s a need to reevaluate your career path and find a more suitable fit.

If you’re considering a career change but not sure which direction you’re headed, consider these words of wisdom:

Do some self-reflecting. Take time to give your current work situation a thorough analysis. Determine which elements you enjoy, what rubs you the wrong way and what you’d change if you could. Think about practical solutions to the problems you identify whether it’s changing to a different role in the same field or exploring a new industry entirely. Avoid the temptation to focus on the negative. Rather, take plenty of time to consider the positive aspects of your current job, since that insight can help inform your next step. For example, if you enjoy the limited contact you have with customers, a job with more customer-facing interaction might not be a good fit.

Ask for input. Sometimes loved ones hold the key to a happier career path because they can point out details you don’t recognize. They might recall a time when you were most relaxed and happy, or they might point out talents or skills you take for granted. Often, these natural abilities are an excellent foundation for a career because you’re well-equipped to be successful.

Consider your personal interests. Keeping your personal life and professional life separate isn’t necessarily a bad idea but finding a way to merge the two can be useful. This is especially true if you’re able to combine training or skills with something you’re passionate about. For example, if you’re an avid outdoorsman, you might find great satisfaction in applying your business management background to work for a company that specializes in camping gear.

Understand what motivates you. Landing in the right job isn’t just about having the right qualifications for a position that interests you. At the end of the day, you’ll feel most content when your job offers meaningful rewards. Motivators can be financial, or they might have more to do with the ability to learn and grow. Some people are willing to sacrifice a bigger paycheck to know they’re making a meaningful contribution in a field they care about. Knowing what outcomes resonate best can help you find a more rewarding career.

Do your research. Changing your career path is a big move, and one you shouldn’t take lightly. Before diving in, spend time looking into the field you’re considering so you have a better sense of factors like growth opportunities, job availability, qualifications, compensation and more. If you find you aren’t quite qualified for the job you think you want, explore what it will take to get there whether it’s training, education or putting in your time to gain experience and work your way into the role you desire.

A career change may be just what you need to shift your life in the direction you want. Find more career advice at eLivingtoday.com.

Photo courtesy of Unsplash

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