b'LONG-TERM CARE ANDLIFE INSURANCEDISABILITY INCOMEsafeguards families, helping INSURANCE them take care of children, keep is a saving grace when work ishomes, and pay for college when no longer possible. a parent is lost.PAID FAMILY AND MEDICAL LEAVERETIREMENT SAVINGS ANDallows parents time to RETIREMENT INCOME bond with new babies.concerns are real; people are living longer and pensions are less common. Life insurers offer guaranteed income for life through annuities.ACLI2019 ANNUAL REVIEW 21'