This Halloween season, Aebly and Associates reminds readers that while spooky surprises are fun, there’s nothing scarier than being unprepared for life’s financial curveballs. The post outlines five simple, stress-free steps to safeguard your family’s future.

The article closes by encouraging readers to take these easy steps this October to replace fear with confidence and prepare their families for anything life brings—because peace of mind lasts longer than any Halloween scare.

Group-term life insurance is an affordable, employer-sponsored benefit that often requires no medical exam and can boost employee appreciation. Employers get tax deductions, while employees receive low-cost or free coverage (tax-free up to $50,000). Plans must follow IRS rules, and employers should educate staff and remind them to update beneficiary information.

Learn the key benefits of workers’ compensation insurance, including medical coverage, disability support, vocational rehab, and death benefits for employees.

The article attached explains how personal risk perception—how insurance carriers view your risk level—affects the premiums you pay for different types of insurance (home, auto, and life). It outlines practical strategies to help reduce your perceived risk and secure better insurance rates.

These changes reflect the IRS’s annual inflation adjustments for health savings accounts and high-deductible health plans.