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SmartTips is a totally free weekly eMail newsletter featuring expert advise and tips on the topics that matter to you, such as:
- Tempated by new car deals? Check here first to avoid over-paying.
- End of the year anticipation? Did something change this year that will affect your taxes?
- 529 College Savings Plans. Your children are never too young—or too old—for you to get started.
Save money with FREE tips on everything from budgeting, managing debt, buying insurance, and planning for retirement.

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| Get SmartTips Newsletters by Email |
 |
SmartTips is a totally free weekly eMail newsletter featuring expert advise and tips on the topics that matter to you, such as:
- Tempated by new car deals? Check here first to avoid over-paying.
- End of the year anticipation? Did something change this year that will affect your taxes?
- 529 College Savings Plans. Your children are never too young—or too old—for you to get started.
Save money with FREE tips on everything from budgeting, managing debt, buying insurance, and planning for retirement.

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Tips on Giving Gifts to your Grandchildren
Gift giving is fun. But it also can put lots of pressure on generous grandparents. It’s not always easy to know what to buy children. And not every gift you select is going to be a big hit.
Your grandchildren are growing all the time. And their interests seem to change like the weather. What do they want? What do they need? The answers aren’t always clear.
Don’t let gift giving stress you out. With a little thought, and lots of love, you can hit a homerun at the next birthday party or holiday celebration. These gift-giving tips may help.

Source: AARP
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Note |
| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Tips on Giving Gifts to your Grandchildren
Gift giving is fun. But it also can put lots of pressure on generous grandparents. It’s not always easy to know what to buy children. And not every gift you select is going to be a big hit.
Your grandchildren are growing all the time. And their interests seem to change like the weather. What do they want? What do they need? The answers aren’t always clear.
Don’t let gift giving stress you out. With a little thought, and lots of love, you can hit a homerun at the next birthday party or holiday celebration. These gift-giving tips may help.

Source: AARP
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Note |
| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Tips on Financial Gifts to Grandchildren
Before making a financial gift to grandchildren, look carefully at your own financial situation, preferably with a professional planner. Make sure you're in a position to give, if that's what you want to do.
If you're not, don't worry about it. Your grandchildren will not love you any less. It's more important to secure your financial future than to risk it with gifts you can't afford.

Source: AARP
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Note |
| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Tips on Financial Gifts to Grandchildren
Before making a financial gift to grandchildren, look carefully at your own financial situation, preferably with a professional planner. Make sure you're in a position to give, if that's what you want to do.
If you're not, don't worry about it. Your grandchildren will not love you any less. It's more important to secure your financial future than to risk it with gifts you can't afford.

Source: AARP
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Note |
| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Finding Help Raising a Grandchild
There are many issues to think about when you begin to raise a grandchild. Some of the items you need to consider are legal status, housing, finances, education and healthcare. Get tips on how to best address these issues and where to get additional help.

Source: AARP
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Note |
| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Finding Help Raising a Grandchild
There are many issues to think about when you begin to raise a grandchild. Some of the items you need to consider are legal status, housing, finances, education and healthcare. Get tips on how to best address these issues and where to get additional help.

Source: AARP
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Note |
| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Organizing your Childcare Toolkit
Planning on caring for your grandchidren? Better get your toolkit ready!
It doesn’t matter how often or for how long you look after grandkids. You’ll do your best if you bring along some basic gear.
Some grandparents bring books or a craft project to entertain grandchildren during an evening of babysitting. Others pack favorite recipes if they’re staying for a week or more. A grandparent who provides daily childcare may rely on a comfortable pair of shoes to chase after toddlers.
These tools are nice to have. But they aren’t the most important items in a grandparent’s toolkit.

Source: AARP
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Note |
| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Organizing your Childcare Toolkit
Planning on caring for your grandchidren? Better get your toolkit ready!
It doesn’t matter how often or for how long you look after grandkids. You’ll do your best if you bring along some basic gear.
Some grandparents bring books or a craft project to entertain grandchildren during an evening of babysitting. Others pack favorite recipes if they’re staying for a week or more. A grandparent who provides daily childcare may rely on a comfortable pair of shoes to chase after toddlers.
These tools are nice to have. But they aren’t the most important items in a grandparent’s toolkit.

Source: AARP
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Note |
| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Keeping your Grandhildren Healthy - What's New
You’re a new grandparent. But you’re not new to raising children. You raised healthy kids of your own. And because of that, you feel qualified to raise healthy grandchildren, too.
But you need to fine out What’s new in childhood health—and what has stayed the same.

Source: AARP
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Note |
| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Keeping your Grandhildren Healthy - What's New
You’re a new grandparent. But you’re not new to raising children. You raised healthy kids of your own. And because of that, you feel qualified to raise healthy grandchildren, too.
But you need to fine out What’s new in childhood health—and what has stayed the same.

Source: AARP
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Note |
| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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How to Childproof your Home
Our homes aren’t usually as safe as we thought they were. Fortunately, most common home hazards can be fixed. Take a good look around. Make some simple changes. And the home you love will soon be a safe place for the people you love.

Source: AARP
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Note |
| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
How to Childproof your Home
Our homes aren’t usually as safe as we thought they were. Fortunately, most common home hazards can be fixed. Take a good look around. Make some simple changes. And the home you love will soon be a safe place for the people you love.

Source: AARP
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Note |
| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Understanding your Grandchild
Knowing what to expect will make it easier for you to accompany grandchildren on their journey through life, while keeping your self-esteem intact.

Source: AARP
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Note |
| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Understanding your Grandchild
Knowing what to expect will make it easier for you to accompany grandchildren on their journey through life, while keeping your self-esteem intact.

Source: AARP
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Note |
| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Adjusting to Your New Role
Grandparents today are very different from grandparents of only a generation ago. We are generally healthier, busier, and more likely to still be working when our first grandchild arrives. As a result, our role as grandparent can vary greatly. There are so many different ways to be involved in our grandchildren's (and children's) lives. It's up to us to choose the ones we are most comfortable with.
If grandparents today are different, then so is everything else—approaches to childbirth and pregnancy, child-rearing practices, baby furniture, safety equipment, toys, etc. The key is to be open and flexible, which we all know is a lot harder than it sounds.

Source: AARP
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Note
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| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Adjusting to Your New Role
Grandparents today are very different from grandparents of only a generation ago. We are generally healthier, busier, and more likely to still be working when our first grandchild arrives. As a result, our role as grandparent can vary greatly. There are so many different ways to be involved in our grandchildren's (and children's) lives. It's up to us to choose the ones we are most comfortable with.
If grandparents today are different, then so is everything else—approaches to childbirth and pregnancy, child-rearing practices, baby furniture, safety equipment, toys, etc. The key is to be open and flexible, which we all know is a lot harder than it sounds.

Source: AARP
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Note
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| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Find Local Grandparenting Resources Find out what types of local supports exist in your area. In addition to searching for local supports and resources in this section, you may also conduct a search for national organizations that offer helpful resources and information for grandparents.  Source: AARP
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Find Local Grandparenting Resources Find out what types of local supports exist in your area. In addition to searching for local supports and resources in this section, you may also conduct a search for national organizations that offer helpful resources and information for grandparents.  Source: AARP
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Read up on Grandparenting Find answers to your questions and a wealth of additional resources published by a non-profit organization whose mission is to raise grandparent consciousness, and promote the importance of grandparenting as a role and function that both gives important meaning and empowerment to later life, and benefits all family members.  Source: The Grandparent Foundation
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Read up on Grandparenting Find answers to your questions and a wealth of additional resources published by a non-profit organization whose mission is to raise grandparent consciousness, and promote the importance of grandparenting as a role and function that both gives important meaning and empowerment to later life, and benefits all family members.  Source: The Grandparent Foundation
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Find State Fact Sheets on Grandparenting More than six million children - approximately 1 in 12 - are living in households headed by grandparents (4.5 million children) or other relatives (1.5 million children). In many of these homes, grandparents (approximately 2.4 million) and other relatives are taking on primary responsibility for the children’s needs.
These grandparent and other relative caregivers often lack information about the range of support services, benefits and policies they need to fulfill their caregiving role. In an effort to remedy this situation, a group of national organizations working on behalf of children and/or seniors has prepared State Fact Sheets for Grandparents and Other Relatives Raising Children, which provide helpful state-specific data and information for each of the states, Washington, D.C., Puerto Rico, and the U.S. Virgin Islands.
Find a comprehensive list of local programs, resources and services as well as state laws you should be aware of.  Source: The Grandparent Foundation
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Find State Fact Sheets on Grandparenting More than six million children - approximately 1 in 12 - are living in households headed by grandparents (4.5 million children) or other relatives (1.5 million children). In many of these homes, grandparents (approximately 2.4 million) and other relatives are taking on primary responsibility for the children’s needs.
These grandparent and other relative caregivers often lack information about the range of support services, benefits and policies they need to fulfill their caregiving role. In an effort to remedy this situation, a group of national organizations working on behalf of children and/or seniors has prepared State Fact Sheets for Grandparents and Other Relatives Raising Children, which provide helpful state-specific data and information for each of the states, Washington, D.C., Puerto Rico, and the U.S. Virgin Islands.
Find a comprehensive list of local programs, resources and services as well as state laws you should be aware of.  Source: The Grandparent Foundation
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Learn More About Developmental Stages Find important information on physical, mental and emotional growth and development in children and teenagers. This information can help grandparents know what to expect from their grandchildren as they mature. Help your grandchildren and adolescents reach their full potential as they grow and develop.  Source: Child Development Institute, LLC
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Learn More About Developmental Stages Find important information on physical, mental and emotional growth and development in children and teenagers. This information can help grandparents know what to expect from their grandchildren as they mature. Help your grandchildren and adolescents reach their full potential as they grow and develop.  Source: Child Development Institute, LLC
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Run Through a Home Safety Checklist Is your home a safe environment for your grandchildren? There are several things you should do to make your home safe. This checklist makes it easy!  Source: © BabyCenter LLC
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Run Through a Home Safety Checklist Is your home a safe environment for your grandchildren? There are several things you should do to make your home safe. This checklist makes it easy!  Source: © BabyCenter LLC
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Find Your Local Poison Control Center Do you know who to contact in case of a poison emergency? Be proactive by finding a US poison control center by state or prevention center name.  Source: AAPCC
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Find Your Local Poison Control Center Do you know who to contact in case of a poison emergency? Be proactive by finding a US poison control center by state or prevention center name.  Source: AAPCC
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Research Child Product Safety Recalls Help keep your family safe by checking product recalls and safety news from CPSC. Help prevent future injuries by reporting an incident with a product that caused an injury.  Source: US Consumer Product Safety Commission
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Research Child Product Safety Recalls Help keep your family safe by checking product recalls and safety news from CPSC. Help prevent future injuries by reporting an incident with a product that caused an injury.  Source: US Consumer Product Safety Commission
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Find a Local CPR Course The Emergency Cardiovascular Programs Department of the American Heart Association offers several courses to help you save a life. Courses offered include CPR for Friends and Family, Heartsaver First Aid, CPR and the Heartsaver AED courses. These courses teach the basic techniques of adult CPR and how to use an AED. Hopefully you will never need to perform CPR on your grandchild. However, if you find yourself in this position, you will have peace of mind knowing you did everything you could to save their life.  Source: American Heart Association
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Find a Local CPR Course The Emergency Cardiovascular Programs Department of the American Heart Association offers several courses to help you save a life. Courses offered include CPR for Friends and Family, Heartsaver First Aid, CPR and the Heartsaver AED courses. These courses teach the basic techniques of adult CPR and how to use an AED. Hopefully you will never need to perform CPR on your grandchild. However, if you find yourself in this position, you will have peace of mind knowing you did everything you could to save their life.  Source: American Heart Association
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Get More Child Safety Tips Accidental injury is the number one killer of America’s children, taking more lives than disease, violence and suicide. Prevention is the cure. It’s estimated that by taking these and other simple precautions, almost all (90 percent) of these accidental injuries can be avoided.
Learn how you can keep your grandkids safe.  Source: SafeKids USA
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Get More Child Safety Tips Accidental injury is the number one killer of America’s children, taking more lives than disease, violence and suicide. Prevention is the cure. It’s estimated that by taking these and other simple precautions, almost all (90 percent) of these accidental injuries can be avoided.
Learn how you can keep your grandkids safe.  Source: SafeKids USA
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Learn About 12 Child Safety Devices About 2-1/2 million children are injured or killed by hazards in the home each year. The good news is that many of these incidents can be prevented by using simple child safety devices on the market today.
Here are some child safety devices that can help prevent many injuries to young children.  Source: US Consumer Product Safety Commission
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Learn About 12 Child Safety Devices About 2-1/2 million children are injured or killed by hazards in the home each year. The good news is that many of these incidents can be prevented by using simple child safety devices on the market today.
Here are some child safety devices that can help prevent many injuries to young children.  Source: US Consumer Product Safety Commission
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Get Help Installing a Child Safety Seat Through education, training, enforcement, outreach and legislation, NHTSA seeks to ensure that all children ages 0-16 are properly restrained in the correct restraint system for their age and size every time they travel in a motor vehicle.
Use this resource to ensure that you are installing your grandchild's safety seat correctly.  Source: National Highway Traffic Safety Administration
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Get Help Installing a Child Safety Seat Through education, training, enforcement, outreach and legislation, NHTSA seeks to ensure that all children ages 0-16 are properly restrained in the correct restraint system for their age and size every time they travel in a motor vehicle.
Use this resource to ensure that you are installing your grandchild's safety seat correctly.  Source: National Highway Traffic Safety Administration
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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See if Your Child Safety Seat Has Been Recalled Stay on top of child safety seat recalls. This resource lists child safety seat recalls from 1990 to date, by manufacturer.  Source: National Highway Traffic Safety Administration
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
See if Your Child Safety Seat Has Been Recalled Stay on top of child safety seat recalls. This resource lists child safety seat recalls from 1990 to date, by manufacturer.  Source: National Highway Traffic Safety Administration
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Learn About Your State's Child Restraint Laws Know the Laws! To keep your grandchildren safe on the roads, it is important that you know your state's laws regarding child passenger safety. Some states fall short of recommended federal guidelines for child passenger safety. You should always be familiar with your state's laws, but be aware that in some cases you may need to go beyond the law to ensure that your child is not at risk.
Find detailed information about your state's child restraint laws.  Source: Seatcheck.org
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Learn About Your State's Child Restraint Laws Know the Laws! To keep your grandchildren safe on the roads, it is important that you know your state's laws regarding child passenger safety. Some states fall short of recommended federal guidelines for child passenger safety. You should always be familiar with your state's laws, but be aware that in some cases you may need to go beyond the law to ensure that your child is not at risk.
Find detailed information about your state's child restraint laws.  Source: Seatcheck.org
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Get Information on Child Health Issues Keeping your grandchild healthy is a big job! Read all about common childhood aches, pains, and illnesses, plus how to take care of your grandchild's body from teeth to toes.  Source: Nemours Foundation, Kidshealth.org
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Get Information on Child Health Issues Keeping your grandchild healthy is a big job! Read all about common childhood aches, pains, and illnesses, plus how to take care of your grandchild's body from teeth to toes.  Source: Nemours Foundation, Kidshealth.org
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Create a Family Childcare Agreement
Many grandparents who provide daily childcare for grandchildren say they get a lot more from the arrangement than they give. They’re able to enjoy a strong relationship with their grandchildren and to become an important part of their lives. They’re able to help their adult children—and to feel appreciated for the important role they play in the family. Some grandparents even find that caring for grandkids for a portion of each day makes them feel younger than they’ve felt in years.
Sound like a job made in heaven? It often starts out that way. But even the most ideal childcare arrangement can go sour if grandparents and parents aren’t careful.

Source: AARP
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Note |
| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Create a Family Childcare Agreement
Many grandparents who provide daily childcare for grandchildren say they get a lot more from the arrangement than they give. They’re able to enjoy a strong relationship with their grandchildren and to become an important part of their lives. They’re able to help their adult children—and to feel appreciated for the important role they play in the family. Some grandparents even find that caring for grandkids for a portion of each day makes them feel younger than they’ve felt in years.
Sound like a job made in heaven? It often starts out that way. But even the most ideal childcare arrangement can go sour if grandparents and parents aren’t careful.

Source: AARP
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Note |
| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Learn About Child Development
Grandparents find it easy and fun to mark the happy milestones in a grandchild's life. A baby's first words are big news in any family. A child's first step is a great reason for a party! But how do grandparents greet the other, not-so-happy, milestones? How will you react, for example, when your loveable toddler suddenly greets you with frightened tears instead of a warm hug?
Don't let bad behaviors worry you or make you feel bad about yourself. All of them-the tears, the tantrums, are normal for grandchildren at certain ages. It's called "growing up," and it's not always pretty. This resource will allow you to know what to expect, making it easier for you to accompany grandchildren on their journey through life, while keeping your self-esteem intact.

Source: AARP
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Note |
| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Learn About Child Development
Grandparents find it easy and fun to mark the happy milestones in a grandchild's life. A baby's first words are big news in any family. A child's first step is a great reason for a party! But how do grandparents greet the other, not-so-happy, milestones? How will you react, for example, when your loveable toddler suddenly greets you with frightened tears instead of a warm hug?
Don't let bad behaviors worry you or make you feel bad about yourself. All of them-the tears, the tantrums, are normal for grandchildren at certain ages. It's called "growing up," and it's not always pretty. This resource will allow you to know what to expect, making it easier for you to accompany grandchildren on their journey through life, while keeping your self-esteem intact.

Source: AARP
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Note |
| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Learn About Child Emotions Is it just a phase or a serious problem? Help your grandchild cope with life's ups and downs, from dealing with divorce to preparing for new siblings. Or find out how to understand your grandchild's behavior, whether it's toddler tantrums or teenage depression.  Source: Nemours Foundations, Kidshealth.org
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Learn About Child Emotions Is it just a phase or a serious problem? Help your grandchild cope with life's ups and downs, from dealing with divorce to preparing for new siblings. Or find out how to understand your grandchild's behavior, whether it's toddler tantrums or teenage depression.  Source: Nemours Foundations, Kidshealth.org
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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See If Your Eligible For Public Benefits This resource will help you find the state, federal, and private programs for which you are eligible.  Source: AARP
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
See If Your Eligible For Public Benefits This resource will help you find the state, federal, and private programs for which you are eligible.  Source: AARP
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Deal With Housing Issues
"There was an old woman who lived in a shoe. She had so many children she didn't know what to do." We've all heard this famous nursery rhyme. We can even picture that old woman in our mind's eye. She's standing outside a two-story house that is shaped like a shoe. Children are leaning out of every window. They look happy. She looks worried.
Grandparents raising grandchildren can relate to the woman's concerns. On some days, their homes feel like a shoe that's a few sizes too small. Those homes may have been quite cozy before the grandchildren moved in. Now they are crowded and inadequate.
More grandparents are raising grandchildren than ever before. As a result, their housing problems are starting to get noticed. Groups around the country are now working to make things better. Some have been successful. Read about these success stories and more!

Source: AARP
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| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Deal With Housing Issues
"There was an old woman who lived in a shoe. She had so many children she didn't know what to do." We've all heard this famous nursery rhyme. We can even picture that old woman in our mind's eye. She's standing outside a two-story house that is shaped like a shoe. Children are leaning out of every window. They look happy. She looks worried.
Grandparents raising grandchildren can relate to the woman's concerns. On some days, their homes feel like a shoe that's a few sizes too small. Those homes may have been quite cozy before the grandchildren moved in. Now they are crowded and inadequate.
More grandparents are raising grandchildren than ever before. As a result, their housing problems are starting to get noticed. Groups around the country are now working to make things better. Some have been successful. Read about these success stories and more!

Source: AARP
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Note |
| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Deal With Legal Issues
Does your grandchild live with you? Chances are it started out as an informal arrangement. You probably thought the child would stay for a short time. In the eyes of the law, the parent was still in charge. You had no legal rights or legal relationship to your grandchild. You could not make decisions for the child. You were an "informal" caregiver.
After a while, some grandparent caregivers find that it's hard to raise their grandchildren without some legal rights or a formal legal relationship. These grandparents may have trouble enrolling their grandchildren in school. They may not be able to give a doctor permission to treat their grandchild. They worry that an unfit parent may come back and take the child away. And often they have trouble getting financial help to raise the child. To get more rights, these grandparents may ask the court to help. They may ask to change their legal relationship to the grandchildren they are raising by getting legal custody or guardianship, or they may ask to adopt their grandchildren. Other grandparents may not take those steps, but they may find other legal options that will help.
Changing your legal relationship is a big decision. Before you make any decisions, be sure to learn about all the legal options your state gives you. You may be surprised at how many options you have.

Source: AARP
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Note |
| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Deal With Legal Issues
Does your grandchild live with you? Chances are it started out as an informal arrangement. You probably thought the child would stay for a short time. In the eyes of the law, the parent was still in charge. You had no legal rights or legal relationship to your grandchild. You could not make decisions for the child. You were an "informal" caregiver.
After a while, some grandparent caregivers find that it's hard to raise their grandchildren without some legal rights or a formal legal relationship. These grandparents may have trouble enrolling their grandchildren in school. They may not be able to give a doctor permission to treat their grandchild. They worry that an unfit parent may come back and take the child away. And often they have trouble getting financial help to raise the child. To get more rights, these grandparents may ask the court to help. They may ask to change their legal relationship to the grandchildren they are raising by getting legal custody or guardianship, or they may ask to adopt their grandchildren. Other grandparents may not take those steps, but they may find other legal options that will help.
Changing your legal relationship is a big decision. Before you make any decisions, be sure to learn about all the legal options your state gives you. You may be surprised at how many options you have.

Source: AARP
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Note |
| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Learn More About Grandparenting You are not along! Are you raising your grandchild? If so, you are not alone. There are 2.4 million other grandparents in the U.S. who are responsible for the grandchildren living in their homes. As a grandparent caregiver, you may be facing new challenges. Use this guide to learn more about grandparenting.  Source: AARP
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Learn More About Grandparenting You are not along! Are you raising your grandchild? If so, you are not alone. There are 2.4 million other grandparents in the U.S. who are responsible for the grandchildren living in their homes. As a grandparent caregiver, you may be facing new challenges. Use this guide to learn more about grandparenting.  Source: AARP
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Learn About Child Emotions Is it just a phase or a serious problem? Help your grandchild cope with life's ups and downs, from dealing with divorce to preparing for new siblings. Or find out how to understand your grandchild's behavior, whether it's toddler tantrums or teenage depression.  Source: Nemours Foundations, Kidshealth.org
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Learn About Child Emotions Is it just a phase or a serious problem? Help your grandchild cope with life's ups and downs, from dealing with divorce to preparing for new siblings. Or find out how to understand your grandchild's behavior, whether it's toddler tantrums or teenage depression.  Source: Nemours Foundations, Kidshealth.org
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Learn How to Discipline Your Child
As a grandparent, it is your job to teach your grandchild the difference between acceptable and unacceptable behavior. But getting your grandchild to behave the way you want is not as hard as you think.
Find strategies that work by clicking Continue below.

Source: American Academy of Pediatrics
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| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Learn How to Discipline Your Child
As a grandparent, it is your job to teach your grandchild the difference between acceptable and unacceptable behavior. But getting your grandchild to behave the way you want is not as hard as you think.
Find strategies that work by clicking Continue below.

Source: American Academy of Pediatrics
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Note |
| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Look into Child Tax Credits
Did you know that the IRS will give you money back just for having a child living in your home? Three tax credit programs give extra money to people who are raising children. That includes grandparents and great grandparents. If you qualify, you may be able to pay less to Uncle Sam each year.
Don't miss the chance to claim these credits!

Source: AARP
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Note |
| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Look into Child Tax Credits
Did you know that the IRS will give you money back just for having a child living in your home? Three tax credit programs give extra money to people who are raising children. That includes grandparents and great grandparents. If you qualify, you may be able to pay less to Uncle Sam each year.
Don't miss the chance to claim these credits!

Source: AARP
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Note |
| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Learn More About Childhood Obesity Obesity among children has reached epidemic levels in the US, affecting more than 9 million children. Not surprisingly, obesity can limit a child's physical activity and affect his or her self-esteem. But what's more worrisome are the health risks associated with being too heavy: type 2 diabetes, hypertension, liver disease and other diseases and conditions.
Find solutions and resources for grandparentsparents and other caregivers who are concerned about childhood obesity and overweight children, and for those grandparents and others who simply want to learn how to help children lead healthier, more active lives.  Source: American Academy of Pediatrics
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Learn More About Childhood Obesity Obesity among children has reached epidemic levels in the US, affecting more than 9 million children. Not surprisingly, obesity can limit a child's physical activity and affect his or her self-esteem. But what's more worrisome are the health risks associated with being too heavy: type 2 diabetes, hypertension, liver disease and other diseases and conditions.
Find solutions and resources for grandparentsparents and other caregivers who are concerned about childhood obesity and overweight children, and for those grandparents and others who simply want to learn how to help children lead healthier, more active lives.  Source: American Academy of Pediatrics
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Find an Estate Planning Attorney Find a trusted attorney and get more information on how estate planning can protect your wealth.  Source: American Academy of Estate Planning Attorneys
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Find an Estate Planning Attorney Find a trusted attorney and get more information on how estate planning can protect your wealth.  Source: American Academy of Estate Planning Attorneys
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Learn About Other Ways to Give
Section 529 college savings plans aren't the only tax-advantageous way to pass money on to your grandchildren.
Have you considered these three other options...

Source: AARP
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Note |
| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Learn About Other Ways to Give
Section 529 college savings plans aren't the only tax-advantageous way to pass money on to your grandchildren.
Have you considered these three other options...

Source: AARP
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Note |
| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Learn About Trusts People often associate trust funds only with the wealthy. But a trust fund ("trust") actually can be an effective financial tool for many people in many circumstances.
Read about the different types of trust funds available for your grandchild here.  Source: MetLife
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Learn About Trusts People often associate trust funds only with the wealthy. But a trust fund ("trust") actually can be an effective financial tool for many people in many circumstances.
Read about the different types of trust funds available for your grandchild here.  Source: MetLife
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Check Government List of Recalled Toys When buying your grandchild toys, make sure you steer clear of any toys that have been recalled. This will help keep your grandchild safe by checking product recalls and safety news from CPSC.  Source: U.S. Consumer Product Safety Commission
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Check Government List of Recalled Toys When buying your grandchild toys, make sure you steer clear of any toys that have been recalled. This will help keep your grandchild safe by checking product recalls and safety news from CPSC.  Source: U.S. Consumer Product Safety Commission
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Buy Safely Online
You're browsing the Web and found a great buy on a toy: good price, nice condition. But is it safe to buy online? What can you do to make sure your money and privacy are protected? These simple steps can improve your online shopping experience.

Source: AARP
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Note |
| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Buy Safely Online
You're browsing the Web and found a great buy on a toy: good price, nice condition. But is it safe to buy online? What can you do to make sure your money and privacy are protected? These simple steps can improve your online shopping experience.

Source: AARP
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Note |
| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Learn More About Estate Planning
Estate planning, the process of planning how to preserve your assets for your heirs, is not just for the very wealthy. Everyone should engage in some form of estate planning.
After working hard for many years, building up a business, or accumulating assets, you should make sure that those assets will not be unnecessarily used up but are preserved for your survivors.
Here’s a basic guide to wills, trusts, and other estate planning tools.

Source: CPA Site Solutions
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Note
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| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Learn More About Estate Planning
Estate planning, the process of planning how to preserve your assets for your heirs, is not just for the very wealthy. Everyone should engage in some form of estate planning.
After working hard for many years, building up a business, or accumulating assets, you should make sure that those assets will not be unnecessarily used up but are preserved for your survivors.
Here’s a basic guide to wills, trusts, and other estate planning tools.

Source: CPA Site Solutions
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Note
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| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Learn How to Buy Life Insurance Life insurance protects your financial future. It provides the resources your family or business may need to pay immediate and continuing expenses when you die.
There are different types of life insurance and choosing a policy is an important decision. You should begin by evaluating the ongoing and future financial needs of those who depend on you. Then become familiar with the various policies available and how they work. You’ll be in a better position to make a selection best suited to your financial needs and those of your family.
You may use this guide to help you understand the types of life insurance available and what questions to ask when you’re buying life insurance.  Source: American Council of Life Insurers (ACLI)
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Learn How to Buy Life Insurance Life insurance protects your financial future. It provides the resources your family or business may need to pay immediate and continuing expenses when you die.
There are different types of life insurance and choosing a policy is an important decision. You should begin by evaluating the ongoing and future financial needs of those who depend on you. Then become familiar with the various policies available and how they work. You’ll be in a better position to make a selection best suited to your financial needs and those of your family.
You may use this guide to help you understand the types of life insurance available and what questions to ask when you’re buying life insurance.  Source: American Council of Life Insurers (ACLI)
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Learn About Generation Skipping Transfers
A Generation Skipping Trust (GST) provides a unique estate planning opportunity for those who have accumulated wealth and wish to see it passed to future generations.

Source: WiserAdvisor.com
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Note
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| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Learn About Generation Skipping Transfers
A Generation Skipping Trust (GST) provides a unique estate planning opportunity for those who have accumulated wealth and wish to see it passed to future generations.

Source: WiserAdvisor.com
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Note
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| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Learn About Life Insurance
You know that you need life insurance. However, with the wide variety of insurance policies available, you may find choosing the right one difficult. It's really not as confusing as it seems, however, once you understand the basic types of life insurance policies.

Source: CPA Site Solutions
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Note
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| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Learn About Life Insurance
You know that you need life insurance. However, with the wide variety of insurance policies available, you may find choosing the right one difficult. It's really not as confusing as it seems, however, once you understand the basic types of life insurance policies.

Source: CPA Site Solutions
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Note
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| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Find a 529 Plan College is an investment for a lifetime - the gift of a college education can open the door to a world of opportunity for your child or grandchild. Saving, even a little at a time, can make a big difference down the road. With the cost of a college education continuing to increase, the key is to start saving early and regularly.
According to the College Board, the average cost for tuition and fees at four-year public institutions has increased nearly 51% over the last 10 years (after adjusting for inflation), and these costs will almost certainly continue to rise.
This resource will help you identify ways you can save for your grandchilds college education.  Source: College Savings Plan Network (CSPN)
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Find a 529 Plan College is an investment for a lifetime - the gift of a college education can open the door to a world of opportunity for your child or grandchild. Saving, even a little at a time, can make a big difference down the road. With the cost of a college education continuing to increase, the key is to start saving early and regularly.
According to the College Board, the average cost for tuition and fees at four-year public institutions has increased nearly 51% over the last 10 years (after adjusting for inflation), and these costs will almost certainly continue to rise.
This resource will help you identify ways you can save for your grandchilds college education.  Source: College Savings Plan Network (CSPN)
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Learn More About College Costs College is a big investment—don't jump in without doing your homework. Learn about college costs, applying for scholarships and other types of financial aid, choosing the best aid package, taking out education loans, and paying the college bill.  Source: CollegeBoard
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Learn More About College Costs College is a big investment—don't jump in without doing your homework. Learn about college costs, applying for scholarships and other types of financial aid, choosing the best aid package, taking out education loans, and paying the college bill.  Source: CollegeBoard
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Learn More About Financial Aid The Department (ED) will provide more than $83 billion this year, about 60 percent of all student aid, to help millions of students and families pay for postsecondary education.
If you're exploring options for paying for your grandchild's college, click Continue below. You'll learn about the various kinds of financial aid (loans, grants, and work-study), how to apply, common myths, and more.  Source: U.S. Department of Education
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Learn More About Financial Aid The Department (ED) will provide more than $83 billion this year, about 60 percent of all student aid, to help millions of students and families pay for postsecondary education.
If you're exploring options for paying for your grandchild's college, click Continue below. You'll learn about the various kinds of financial aid (loans, grants, and work-study), how to apply, common myths, and more.  Source: U.S. Department of Education
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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