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Should my courtship techniques be the same as when I was in my 20s? Question from Randi: What do you think about long-distance relationships? They take a lot of attention, by e-mail, by phone, sacrificing money because the cost can become difficult.

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Far from the common perception of the elderly as rabid technophobes, the authors explain that this subset of the population has steadily begun to frequent forums tailor-made for them, crafting together their very own online communities.

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Policy owner and the insured person Do keep in mind that the insured and the policy owner can be the same person or two different persons depending on the situation.

However, a person may make anybody the beneficiary of the policy.

The insurance policy is a legal contract between the insurer and the insured.