1This piece has been reproduced by Allianz Life Insurance Company of North America (Allianz) with the permission of Life Happens, a nonprofit organization dedicated to helping consumers make smart insurance decisions to safeguard their families’ financial futures. Life Happens receives annual financial support from more than 130 leading life insurance companies, including Allianz, all of which share Life Happens’ commitment to make sure consumers have the knowledge needed to make informed insurance-buying decisions. Life Happens does not endorse any insurance company, product or advisor. © Life Happens 2018. All rights reserved.