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Our mission: Bringing practical business and technical intelligence to today's structured cabling professionals

For more than 30 years, Cabling Installation & Maintenance has provided useful, practical information to professionals responsible for the specification, design, installation and management of structured cabling systems serving enterprise, data center and other environments. These professionals are challenged to stay informed of constantly evolving standards, system-design and installation approaches, product and system capabilities, technologies, as well as applications that rely on high-performance structured cabling systems. Our editors synthesize these complex issues into multiple information products. This portfolio of information products provides concrete detail that improves the efficiency of day-to-day operations, and equips cabling professionals with the perspective that enables strategic planning for networks’ optimum long-term performance.

Throughout our annual magazine, weekly email newsletters and 24/7/365 website, Cabling Installation & Maintenance digs into the essential topics our audience focuses on.

  • Design, Installation and Testing: We explain the bottom-up design of cabling systems, from case histories of actual projects to solutions for specific problems or aspects of the design process. We also look at specific installations using a case-history approach to highlight challenging problems, solutions and unique features. Additionally, we examine evolving test-and-measurement technologies and techniques designed to address the standards-governed and practical-use performance requirements of cabling systems.
  • Technology: We evaluate product innovations and technology trends as they impact a particular product class through interviews with manufacturers, installers and users, as well as contributed articles from subject-matter experts.
  • Data Center: Cabling Installation & Maintenance takes an in-depth look at design and installation workmanship issues as well as the unique technology being deployed specifically for data centers.
  • Physical Security: Focusing on the areas in which security and IT—and the infrastructure for both—interlock and overlap, we pay specific attention to Internet Protocol’s influence over the development of security applications.
  • Standards: Tracking the activities of North American and international standards-making organizations, we provide updates on specifications that are in-progress, looking forward to how they will affect cabling-system design and installation. We also produce articles explaining the practical aspects of designing and installing cabling systems in accordance with the specifications of established standards.

Cabling Installation & Maintenance is published by Endeavor Business Media, a division of EndeavorB2B.

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Aflac: How Life Insurance Can Benefit Different Age Groups

Aflac: A life insurance policy can benefit a shopper in different ways depending on their age group. As an example, a policy can help young adults keep their families financially secure. Seniors with life insurance can help minimize funeral costs that their surviving family might have to pay.  

Different types of life insurance can be more beneficial for one age group compared to another. Understanding the benefits and which type is best can help with deciding on the best option to choose. 

How life insurance benefits young adults 

Getting a life insurance policy as a young adult can help keep future expenses low. A life insurance policy's premium is lower for younger people. According to Forbes1, the average annual cost for a 20-year $100,000 term life policy for a 30-year-old female is $108. If a young female adult were to wait to get that same policy at age 50, the average annual cost would be $228.  

Another benefit to getting life insurance young is it can lessen the financial burden for one's family. If a young person's parents or relatives were co-signers on any form of debt they have, the policy could help cover it. Additionally, if a young adult has a spouse or children who rely on their income, life insurance can provide future financial protection in the event of their passing. 

How life insurance benefits middle-aged adults 

A middle-aged adult usually has debt, older children, and elderly parents to prioritize when it comes to their finances. Life insurance can be beneficial in each of these cases. A policy can help with covering any remaining student loans, credit card debt, car payments, or mortgage. For middle-aged adults with older children about to enter college, life insurance can help with covering their tuition. Lastly, a policy can help continue covering the daily living expenses of elderly parents. While life insurance premiums at this age will be slightly higher, they will still be more affordable than if one waited until they were a senior. 

How life insurance benefits seniors 

The financial concerns seniors have often revolved around their end-of-life expenses. The benefit of life insurance for seniors is that it can cover their final medical expenses and funeral costs. It can also help with covering any other remaining debt they may have. Some seniors may also be raising second families or have spouses that are still living. The policy benefit can provide financial protection for family members who are still financially dependent on them. 

Types of life insurance each age group can consider 

Young adults typically have fewer finances saved up compared to middle-aged adults and seniors. For younger adults, term life insurance is an ideal option, given that it's more affordable. They can lock in a low premium for 10 or 20 years and save money in the long run. Middle age adults can choose to do the same, or if they have more wealth, consider a whole life insurance policy. While these policies are more costly, they feature a cash value component that can accrue interest over time. Final expense insurance, which is a whole life policy, is ideal for seniors, as it's designed to cover medical bills and funeral expenses. Life insurance shoppers should be sure to consider their age and life circumstances before deciding on a specific policy. 

Coverage is underwritten by Aflac. Final Expense is underwritten by Tier One Insurance Company.

Final Expense: In AR, AZ, ID, OK, OR, PA, TX and VA: Policies ICC21‐AFLLBL21 and ICC21‐AFLRPL21; and Riders ICC21‐AFLABR22, ICC21‐AFLADB22, and ICC21‐AFLCDR22.
Term and Whole Life: In Arkansas, Idaho, Oklahoma, Oregon, Pennsylvania, Texas, and Virginia, Policies: ICC1368100, ICC1368200, ICC1368300, ICC1368400 and Riders: ICC1368050, ICC1368051, ICC1368052, ICC1368053, ICC1368054, ICC1368055. Aflac Juvenile Life Insurance ‐ Policy Series 65000: In Idaho, Oklahoma, Pennsylvania, Texas and Virginia, Policies ICC0965JTO and ICC0965JWO; Policy Series B61000: In Arkansas, Idaho, Oklahoma, Oregon, Pennsylvania, Texas, & Virginia, Policies: ICC18B61JWO & ICC18B61JTO. This is a brief product overview only. Coverage may not be available in all states, including New York. Benefits/premium rates may vary based on plan selected. Optional riders are available at an additional cost. The policy has limitations and exclusions that may affect benefits payable. Refer to the policy for complete details, limitations, and exclusions. For costs and complete details of the coverage, please contact your local Aflac agent.

WWHQ | 1932 Wynnton Road | Columbus, GA 31999
Z2201206 Exp. 12/23

Contact Information:
Keyonda Goosby
Public Relations Specialist
keyonda.goosby@iquanti.com
(201) 633-2125


Original Source: Aflac: How Life Insurance Can Benefit Different Age Groups
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