Supplemental insurance adds protection when life milestones happen on different timelines.
At 26, many leave parents’ plans and face insurance choices for first time.
Major medical covers many costs; supplemental helps with expenses not covered.
Examples include hospital indemnity, accident, cancer, critical illness, and life insurance options.
Cash benefits or lump sums can ease out-of-pocket costs and protect finances.

Annuities Boost Retirement Income Post-Pension
Annuities are increasingly used to replace declining pension income for retirees relying on personal savings. They provide guaranteed lifetime or fixed-period payments, helping reduce the




