Steve Dwight, LUTCFwww.stevedwight.com

Everyone could likely use life insurance at some point, but did you know that one in two Americans will need prolonged medical and personal assistance at some point in their lives as well? That's a fifty percent chance! With those odds, plus the very high costs of long-term care, the best time to think about helping protect your loved ones and your future is now.

Your landlord's insurance generally only covers the building where you live - not your personal belongings and your liability.

Some insurers increase premiums for cars that have higher rates of damage or occupant injury. And cars that do better in safety tests? They're more likely to get you lower rates.

A good neighbor is a green neighbor™ State Farm Insurance® is committed to a future where environmental values are key to the way we do business. We will continue to find solutions to reduce our company impacts and help build safer and greener communities. Visit www.statefarm.com/green.