Read all 3 of these short articles and discuss them.

Personal Liability (Umbrella) Links to an external site. https://www.nerdwallet.com/article/insurance/umbrella-insurance

Long-Term Care Links to an external site. https://www.nerdwallet.com/article/insurance/long-term-care-insurance

Disability Links to an external site. https://disabilitycanhappen.org/disability-statistic/

Potential questions you might use in your discussion: Did you learn anything new in this article? Why do you think that so many Americans are under-insured in this area? Which, if any of these do you think is the biggest risk not to have? Why?