With life insurance, insurability needs to be secured, and a tax-smart premium funding strategy should be devised.

FORBES: A Wellness Checkup for Your Estate Plan

Timing makes a huge difference with regard to estate planning, whether because of taxes, interest rates, mental capacity or insurability.

FORBES: A Wellness Checkup for Your Estate Plan

One big area is insurability, or how people can position themselves for less expensive and better life, long term care, disability, and health insurance policies.

FORBES: Beginning the Quest for Simplicity

Insurance markets will not function for these risks as they violate three key conditions of insurability: independent and identical losses, feasible premiums, and determinability of losses.

FORBES: The Case for Climate-Change Alarmism

And sensible standards for insurability drawn up with the latest climate science and projections in mind can help vulnerable communities make good decisions about land use, infrastructure and building codes, so that they are more resilient when disaster strikes.

FORBES: Climate-Proofing The Insurance Industry