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Matt Richardson is the senior managing editor for the Managing Your Money section for CBSNews.com. He writes and edits content about personal finance ranging from savings to investing to insurance.

Editorial Note: Forbes Advisor may earn a commission on sales made from partner links on this page, but that doesn't affect our editors' opinions or evaluations. A life insurance policy is designed to ...

Add Yahoo as a preferred source to see more of our stories on Google. Whether you’re buying your own healthcare insurance for the first time or switching plans after a big life change, you probably ...