News from Wall Street Journal:

By LINDSAY GELLMAN

Millennials, your reputation precedes you.

Financial-services firms are taking a cue from younger Americans—considered to be largely financially conservative—and ramping up pitches for products typically marketed to older adults. These include life and disability insurance.

But are such products the best use of your dollars right now? The answer depends on your financial situation, health, family history and whether you have a spouse, domestic partner or children, says Eleanor Blayney, consumer advocate for the Certified Financial Planner Board of Standards.

(One type of insurance you soon won’t have a choice about: health. Starting Jan. 1, most people will need to have coverage or pay a penalty.)

Disability Insurance

While laws governing disability insurance……….. continues on Wall Street Journal.

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