Life Insurance Explained | Term vs Whole Life vs Universal (2026 Guide)

How Life Insurance Works and Why It Matters

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Behind closed doors, millions of Americans are stepping into one of the hardest roles they’ll ever take on: caring for their aging parents. Every year, unpaid caregivers provide an estimated $870 billion worth of labor — often while sacrificing their own well-being, finances and futures. @nytopinion spoke with dozens of caregivers across the country about the weight of this responsibility. “What if this goes on for another 10 years?” one caregiver said. “How long am I going to be able to maintai