I recently attended a conference where I had the chance to listen to two employees of the Cleveland Clinic talk about the "culture of wellness" that the clinic is creating for its employees.

Closures and smaller cost increases at many long-term care facilities were brought on by the 2008-2009 recession, according to the Newark, N.J.-based Prudential Financial Inc.'s bi-annual 2010 Long-Term Care Cost Study.

Forty percent of middle-class Americans own some form of permanent life insurance coverage, and among those who don't own a permanent life policy, one in four say they're likely to purchase this type of coverage in the future.