When your 18th birthday comes, it isn’t like someone magically waves a magic wand and you become an adult. Of course—legally—you can do things you couldn’t before: vote, sign contracts—well really a whole range of things without parental consent. But, when we asked 2,000 people across generations when they actually felt like an adult, we got the true answer: 27. This comes from Life Happens new survey “Adulthood Across Generations,” that was conducted by Talker Research. They surveyed 2,000 Americans equally split among adult Gen Z, Millennials, Gen X and Baby Boomers. Below are some high-level results, but you can…

“When we, as LGBTQ+ adults, make the decision to get into a relationship and start a family, it’s not always with the support of our own family.” That is a poignant statement that will resonate with a lot of people. This insight came from MyLin and SK Stokes Kennedy, who are married and raising their blended family in Southern California. The couple appeared on season six of “Black Love,” where they opened up about the challenges of cultivating their partnership and raising three children. We are thrilled that they agreed to work with us again this year on spreading the…

Most people are not immune to the worries of the wallet—big and small. From paying for monthly bills all the way to paying for long-term care and everything in between, people from Gen Z to Boomers told us what they are concerned about financially. Turns out, saving retirement is a key financial worry, with 44% of Americans expressing concern, according to the 2024 Insurance Barometer Study, from Life Happens and LIMRA. This has been true for every year since the study began in 2011. It’s Millennials’ Turn While there hasn’t been a major change retirement concern, what has shifted is…

If you have dependents—or just loved ones who you want to take care of after you die—life insurance is critical. This coverage helps ensure your lost income doesn’t translate to tangible material losses for your family once you’re gone. But how much life insurance is enough? That’s a question whose answer can change significantly over your lifetime, and an important one to answer correctly. You may be underinsured with life insurance coverage if… 1. Your only life insurance coverage is through your employer. While some life insurance is certainly better than no life insurance, if your only coverage is through…

Join Life Happens for a Facebook Chat during Insure Your Love month this February. We’ll discuss all things life insurance and love! Date: Thursday, February 15 from 1 to 2 p.m. ET Where: Join us on Facebook using your personal handle or your company’s handle. Hashtag: Use and follow #InsureYourLoveChat during the above time frame. How to: To share a response from your company account on Life Happens’ posts, first switch your profile to your company’s Facebook page. Then look up Life Happens in the search bar. When you’re on Life Happens’ Facebook page, make sure you’re writing a comment…

Life often has a way of taking unexpected turns, especially when we get older. While there’s no way to know for sure if you’ll need long-term care in the future, it’s quite likely considering that people are living longer than ever—in fact, 69% of people will use long-term care services at some point. As you draw closer to your golden years, getting long-term care insurance (LTCI) can be a smart decision to ensure peace of mind and financial stability for both you and your loved ones. With many options available, making the right choice can feel overwhelming. Use this checklist…

Too often, families are left unsure of the way forward when grieving the loss of a loved one, as plans for their final arrangements and corresponding finances are left unsettled before their passing. Taking a proactive approach to end-of-life planning can help ease these burdens and support a smoother transition for your loved ones. Tips for preparing your end-of-life finances Consider who you want as beneficiaries of your estate. Ensure you take time to consider which family members you want to have as decision-makers and beneficiaries of your estate. You may also need to update them across different financial accounts.…

Life insurance is a topic usually associated with adults since it provides peace of mind for those who have someone depending on them financially. But there is life insurance coverage for minors as well, known as child life insurance or juvenile life insurance. It can sound unnecessary or even a little morbid, but child life insurance offers an array of benefits, including financial planning and future insurability for your child. Let’s dive into what child life insurance is, its purpose and the key considerations when exploring this option. Understanding Child Life Insurance Child life insurance is typically a permanent policy…