The IPCC is about to release its latest findings regarding extreme weather trends and climate change. The predictions can help insurers figure out what to cover, and for how much.

My real question is about disability and long-term care insurance. I have some level of short- and long-term disability through work, but my husband has nothing (besides Social Security), and neither of us has long-term care insurance. I worry about what would happen if we lost one income stream. We've looked into these programs, but they are not cheap (especially the long-term care insurance). Is this something we should have? If we do, it will probably mean less savings in other areas (such as retirement). Is it worth the trade-off? Catherine, Princeton, NJ

Some relationships are just meant to be. The idea is pretty basic: drive safer, get better rates. We’re watching you.