This is your life. This is your income. This is your protection against catastrophic and unexpected events and expenses.

Some people make the false assumption that the highest quality plan is going to be the one that costs the most. That isn't necessarily true.

If you're paying for child care today, or if you're paying for custodial care of a dependent parent, you're probably doing that with money you've already paid income taxes on. Dependent-care spending accounts allow employees to take advantage of the tax laws in a way that would permit you to pay for that care before being taxed on the money you've used.

We need to ensure that the price of funerals is within reach of low-income earners. Better protection for consumers from unscrupulous operators and an effective system to address complaints ... is also required.

This was beyond protection, this was excessive.

There is a willingness in the market to pay for income.