Marriage changes everything, including insurance needs. Even if you and your spouse lived together and shared expenses while dating, you may have new responsibilities — and opportunities — for your insurance policies.

Amid the increasing expenses and life demands that come with parenthood, thinking about your insurance needs can be tough. But now is the time to consider what is at stake and make sure you’re protecting your family from whatever life may throw your way.

Later adulthood brings with it just as many changes and opportunities as the bloom of youth. If you have children setting out on their own paths, many aspects of your financial life and priorities change. And whether you have children or not, approaching retirement has a way of crystallizing your financial focus.