Health insurance is more than just a product; it’s a safety net that can protect your financial assets against the risk of a medical catastrophe. Whether you’re affected by a major illness or unexpected injury, health insurance can help you avoid paying the high cost of medical expenses out of pocket.

According to the National Funeral Directors Association, the cost of a basic adult funeral is $7,323. And that doesn’t include cemetery, monument/marker costs or miscellaneous cash advance charges such as for flowers or obituaries. It also doesn’t include any outstanding medical bills or other debt. Final funeral expenses can run $20,000 or even higher—and funeral costs are steadily rising.

Someone with a long physical illness, a disability, or a cognitive impairment (such as Alzheimer’s disease) often needs long-term care. Many different long-term care services can help people with these conditions. Long-term care is different from medical care, because it generally helps you to live as you are instead of improving or correcting medical problems. Long-term care services may include help with activities of daily living (ADLs), home health care, respite care, hospice care, or adult day care.

Dental insurance can help you cover the cost of keeping your teeth healthy and looking their best. Dental insurance benefits can pay for routine dental care to prevent cavities, as well as more comprehensive restorative and corrective procedures. Carrera Brokerage offers an array of dental insurance products from top insurance companies.