The quest for immediacy will speed up changes in life and health insurance this year.

Economists see them declining, but caution it will be a long process.

Insurers emphasize lifetime security and performance.

They can be a lifeline for workers without a private retirement plan.

Smart withdrawals from retirement portfolio can boost income.

More and more people are struggling to pay their bills, squeezed by high-interest rates even as inflation slows down.

Premium volume sees a 7.9% year-on-year increase nationwide.