Hopefully, your children are financially independent. If you haven't already done so, it's time to catch up and get serious about your own long-term financial needs. Will you have a large enough nest egg for retirement? What about a plan to help ensure that you don't outlive your savings?

You can't rely on your spouse to manage your financial future. It's great to have a vision for your future together, but you should also have a back-up strategy... just in case.

Here are a few financial moves to consider:

Life Insurance
The children are grown, but that doesn't necessarily mean your need for life insurance has vanished. Take another look at your situation and life insurance as an innovative tool to help meet long-term goals.

Retirement Funding
Now is the time to boost retirement savings — a federal tax provision allowing additional savings in tax-advantaged accounts may expire in 2010.* Also, know that your post-retirement needs are different from your spouse's... visit our section on retirement advice for women.

Disability Income Insurance
Review your disability coverage regularly, particularly after a job change or promotion. Learn more about protecting your assets in our article library.

Long-Term Care Insurance
You may never need long-term care, but it's projected that more than one-quarter of women will need more than five years of care at home or in a nursing facility**.

Long-term care insurance helps protect those in the middle — individuals with too many assets to qualify for Medicaid, but not enough to pay for rising health care costs. Visit our long-term care product section for information and buying tips.