The American Association of Critical Illness Insurance (AACII) believes so. According to www.investmentadvisor.com,

"The AACII was founded earlier this year at the request of several insurance companies to create awareness of the product among both producers and consumers, many of whom are stuck in their ways of buying and selling insurance coverage. "We want to break people out of their concrete mindset and make them realize it's more likely that someone will have a critical illness than a long-term disability in their lifetime," says Slome, who's also founder and executive director of the American Association of Long-Term Care Insurance. "We want people to realize that they're more likely to have a critical illness than to die before the age of 65, so critical illness insurance is a more valuable product than life insurance."

Aflac has made supplemental health insurance and critical illness insurance popular with their quirky duck. But what is a supplemental health insurance plan and do you need it?

If you are Christmas shopping for expensive items, such as jewelry, more than likely you will need a rider on your homeowners insurance policy to cover these items. Most basic homeowner policies only cover up to $1,000 for jewelry.

Purchasing a jewelry rider is very inexpensive and will protect each individual piece of jewelry you own not only against damage but theft. If your jewelry purchase is a gift for someone not covered by your insurance, do them a favor and include a reminder note for them to insure their gift.

Probably not. And unfortunately, it can be devastating to many people who have no idea the mold is growing until it is an out of control and costly problem.

Why are insurance companies refusing to pay? One reason insurance companies will not cover mold is because it grows little by little and therefore should be taken care of as a part of the regular maintenance for a home.

If you feel this policy is unfair, you can get involved and contact your state insurance commissioner.

We all know now that bank failures can happen. So is your money still safe?

Here is a handy calculator, EDIE, from the FCIC website that "will calculate your FDIC insurance coverage for each FDIC-insured bank where you have deposit accounts. EDIE lets you know in a printable report for each bank whether your deposits are within or exceed coverage limits."