There are various life insurance policies that are tailormade for senior citizens. One such policy is known as a guaranteed universal life insurance; it offers affirmed death benefits but may be maintained with affordable premiums. The premiums could be as much as what an individual might have to pay if he or she undertakes a term life insurance policy. Many insurance companies offer flexibility with respect to payment plans, an impeccable customer service, and an extensive range of coverages. Companies providing the best life insurance rates for senior citizens Given below is a list of some of the most ideal life insurance policies with great rates for citizens over 65 years of age. New York Life New York Life's accessible and flexible death benefits make it one of the most affordable policy rates for senior citizens. Another perk of purchasing New York Life's insurance policy is that they sell policies to individuals aged up to 85. There is no medical exam that determines the availability of the policy to the applicant. The only deal breaker here is their average customer service. American National Apart from New York Life, American National is the only other insurance company that provides universal life insurance policies that start from $25,000. Apart from its affordability, they offer a wide range of coverages for the policies and are very transparent about it on their website. Do keep in mind that American National does not entertain smokers. Banner Life Banner Life is touted to be one of the best in the industry with respect to life insurance. Affordability and flexibility apropos purchase and payment of policies makes it a favorite among critics and prospective customers. Their underwriting policies are considerably lenient, which gives everyone, including those with chronic illnesses, a chance to own insurance policies. North American Company With an A-grade rating (as per industry standards), North American Company has a great standing in the field, especially for life insurance policies for individuals over 65 years of age. The low premium cost alone makes it economically viable for senior citizens. Lincoln Financial Besides Mutual of Omaha, Lincoln Financial is the only other insurance company that boasts excellent customer service. This is beneficial as the individuals selling the policies give a better overview of its advantages and are honest about the terms and conditions. Lincoln Financials’ rider selection, which may include Spousal or Child Support, is of great use as family members can also benefit from it.

It is imperative that you select the right casket for your loved one's final journey. While you are occupied doing so, you must keep a few things in your mind when you are purchasing one. Type of casket You must determine whether the body is going to be cremated or buried. If the body is going to be cremated, then mostly a simple wooden casket will be available. On the other hand, if the body has to be buried then there are several options that you can choose from. Hardwood, cloth, copper, bronze, stainless steel, biodegradable, cardboard, veneered wood, etc. are some commonly used materials in caskets. If the size of the casket is your concern, then you need not worry, as it is crafted in diverse sizes as well. Customization It is quite natural that you may want to personalize the casket. It could be the incorporation of special designs or inclusion of compact drawers, where you could keep mementos or photographs. So, ensure that the seller you are buying the casket from helps you customize it. Cost Usually the most expensive kind of caskets are metal caskets. This is because they are highly durable. Although they cannot stop the body from decomposing, they prevent the entrance of water or air in the coffin, allowing the remains to alter on their own. If you are inclined towards the traditional form of funeral, then you can consider wooden caskets, which can cost around $2000 to $8000. Similarly, if there are any budget constraints one can also consider cloth or wood veneer caskets, as they are comparatively quite inexpensive. Mostly one can buy a casket from a funeral home, where the funeral director will guide you about the various types of caskets they are offering. Although it isn't mandatory that you must buy a casket from a funeral home. If you wish you can purchase it directly from the casket producer. As prescribed by the Funeral Rule, the respective funeral director must accept the directly purchased casket without levying any kind of additional fees. If you want an environmentally friendly option, then you can rent a casket too. These kinds of caskets are just utilized during the display part of the funeral ceremony. The body is kept in a simple wooden box, which is then placed inside the rental casket for viewing purposes. You can avail this option at a funeral home or from a casket retailer.

One of the most iconic American faces - Ellen Degeneres - turned 60 recently. A few teachings that we should learn from her are that a woman’s beauty is timeless. While you are aging, your mind becomes stronger and more confident. In fact, your entire allure, personality, and fashion sense strengthens over the years. As a woman, you can only look to embrace your true style and grace over the years. Elegance is an inborn trait that all women are blessed with. It surfaces as and when the confidence in your soul grows and when you have gained enough perspective of the world around you. This is what the society has termed to be - aging gracefully. It is a common misconception that women above the age of 60 cannot look stylish or cannot dress fashionably. We believe that you only learn to embrace your true self as the years go by. In that sense, shouldn’t you be at your best when you are over 60? Here we have a few special occasion dresses for women over 60. No matter what the form of social gathering may be, you have to always remember to keep in mind your personal style and comfort.

Dressing for birthdays

While dressing for birthdays, be it your own or a friend’s, it is important to try and look casual but also make sure that guests can perceive your radiance. You can shop for special occasion dresses for women over 60 at JJ’s House for an event like this. Trying dresses with a sheath or lace bodice can help bring out the best in you.

Dressing for formal events

When picking any special occasion dresses for women over 60 for formal events, you will have to narrow down your own style sense. Most women feel that their dressing sense is liberal, wherein, they pick out whatever expresses them truly and points out to their individual characters. Anything and everything that encourages individualistic expression would come under the liberal dressing umbrella. However, some women prefer to dress a little more conservatively. This would be in a way that the society would expect them to. Most formal events call for a conservative dressing sense and can include pieces from Ralph Lauren or Maggy London. Each of these labels has their own advantages and you will have to pick the design and color that best suits your body type and stature.

Dressing for weddings

Invitations to weddings always call for elaborate shopping plans and outfit decisions. You will find many wedding options for special occasion dresses for women over 60 at Macy’s. It is the perfect place for you to try out and purchase the outfit for any kind of wedding. Dressing for a wedding has a lot to do with the kind of role you are playing. You can dress undertone or over the top and still flatter yourself! Make sure you go with the theme of the bridal or groom’s party and pick something you are comfortable with.

Dressing for dinners

Every now and then, there happens to be a special dinner that you are invited to. These could be Thanksgiving dinners, Christmas dinners, New year’s eve dinners or a casual dinner among friends. Special occasion dresses for women over 60 can best be found at TB dresses. You can choose from a plethora of options like tight bodices, flowy dresses, solid colors and even the statement black dresses. Paired with a smart clutch, you could be the best-dressed of the lot! Picking clothes and dressing up for special occasions should never be a hassle for any woman. Be it at any age, you should try to look your most beautiful self by gauging the vibe of the occasion. Special occasion dresses for women over 60 should be simple, timeless and comfortable so that the outfit simply helps enhance the beauty that already exists within you.

"Where flowers bloom, so does hope." - Lady Bird Johnson Flowers are beautiful and everybody loves then. Two major reasons for loving flowers are smell and beauty. They smell great and come in many shapes, sizes and colors. Each flower is unique in its own way and that's what appeals to people the most. Flowers are not just eye candy, they play an important role for the environment. For instance, bees make honey with the help of flowers. Humans use flowers for expressing emotions, decorations, and medicinal purposes as well. If you are looking to grow flowers in your garden, you must know that flowers are also seasonal. With seasons, many things change including flowers. If you have a big event coming up, it will help if you familiarize yourself with the seasonal flowers that will be abundantly available during your event. Knowing what flowers grow in which season will help you save a lot of money as flowers that are off season cost more than the ones that are in season. Spring flowers (late winter) Season that follows winter and precedes summer. Flowers that grow in spring are Winter Aconite (also know as Eranthis); Witch Hazel; Crocus; Hellebore (commonly known as Christmas rose and Lenten rose); Camellia; Snowdrop; Chionodoxa; Pansy. (early spring) Daffodil; Iris Reticulata; Forsthia; Scilla; Pussy Willow. (mid-spring) Daffodil; Tulip; Muscari; Dogwood trees; Redbud trees; Mongolia tree; Trillium; Hyacinths; Primrose (late spring) Lily of the valley; Mangolia tree; Lilac; Spiraea; Peonies; Allium; Wood Anemone; Jack in the Pulpit. Summer Flowers Gloriosa Daisy; Coreopsis; Dahlia; Marigolds; Yarrow; Beardtongue; Pineapple Lily; Oxalis; Gloriosa Lily; Surprise Lily; Gaillardia; Peonies; Daffodils; Daylily; Zinnia; Plumeria; Bougainvillea; Lavender; Sunflower; Periwinkle; Shrub Roses; Aster; Hibiscus; Scarlet Sage; Shasta Daisy; Aster; Rose Fall flowers Crocus; Dahila; Nerine; Sternbergia; Cyclamen hederifolium; Gladiolus murielae; Begonia; Cyclamen coum; Snowdrop; Winter aconite; Heather; Heliposis; Iberis; Asters; Pansy; Sedum; Ornamental grasses. Winter Flowers Sweet Alyssum;Calendula; Honeywort; Sweet Pea; Winter-Flowering Perennials; Pansies and Violets; Pinks; Winter Jasmine; Winter Honeysuckle; Snowdrops; Hollies; Firethorn; Chokeberry. Some of the perennial flowers that are easygoing and long-lived are listed below. Plant them in fall or spring when temperature is cold as it helps them get a healthy start. These flowers are: Peruvian lily; Sweet pea; Snow Princess; Aster; Catmint; Coneflower; Coreopsis; Euphorbia; Forget me not (Mysotis Sylvatica); Gaillardia; Gaura; Geum chiloense; Gloriosa daisy; Heuchera; Lavender; Salvia leucantha.

Taking a walk down the supermarket's pet food aisle can be extremely confusing as there are numerous brands selling similar types of products. Moreover, manufacturers advertise labels such as grain-free, healthy-weight, and human-grade, which add to the indecision. Therefore, before buying dog food, make sure that you talk to your vet, check the product for its ingredients and AAFCO (Association of American Feed Control Officials) accreditation. To make your work easier, here are some of the best dog food brands. Blue Buffalo The Blue Buffalo manufactures food for both, cats and dogs. They have a wide variety of dry kibble, wet-canned and treats for dogs. Moreover, they have a special line of dog food, i.e., Wilderness-Meat-Rich and Freedom-Grain-Free. Their dog food is highly popular for its great taste and nutritional content. Its recipes involve ingredients such as whole ground barley, chicken, whole ground brown rice, peas, oatmeal, and tomato pomace. These have essential nutrients such as healthy fats and carbohydrates, vitamins A and B complex, protein, minerals, and beta-carotene. Royal Canin One of the top dog food brands, Royal Canin has an extensive line of products for pets of different ages, breeds, and dietary requirements. This brand hails from France, but it has become extremely popular in various countries, including ours. Some of the key ingredients that they use in their dog food products are brewer’s and brown rice, chicken fat, chicken meal, corn and wheat gluten. Every pet food product by Royal Canin Pet Foods come with a blend of approximately 50 nutrients including protein, minerals, and essential vitamins. Some veterinarians suggest Royal Canin products for dogs suffering from urinary tract disorders. Purina Purina is one of the oldest top dog food brands making dry foods, wet foods, and treats for cats and dogs. Started in 1894, they have multiple sub-brands such as Purina ONE, Cat Chow, Fancy Feast, Friskies, Beneful, and Kitten Chow. They produce foods for dogs of all ages. Their recipes have an excellent nutritional content which is high in protein (consisting of meat), antioxidants, vitamins, minerals like calcium and omega fatty acids. Pedigree Like other best dog food brands, Pedigree also produces pet dry and canned food based on the dog’s age and size. The manufacturer creates food products to target canine health problems such as oral problems, obesity, joint pain, and food allergies. Furthermore, they have a great line of dog treats and snacks. Their food ingredients usually cover meat, whole corn, corn gluten meal, bone meal, animal fat, and poultry by-product meal. Their formulation is rich in good carbohydrates, fat, and protein. Taste of the Wild The Taste of the Wild produces varieties of dry or canned food for puppies, adult, pregnant or nursing, and senior dogs. They offer different meat types in their products such as beef, chicken, venison, trout, salmon, and lamb. Furthermore, they also include ingredients such as lentils, garbanzo beans, peas, tomato pomace, and egg products. The dog food by Taste of the Wild is rich in minerals, Vitamins A, B2, B6, B12, and D, protein, fats and folic acid. Freshpet Freshpet is known for their refrigerator dog food which contains no preservatives. You can find a variety of dog meals as well as snacks and treats produced by Freshpet. Their dog food ingredients typically include 100% naturally raised meat such as chicken, turkey, beef, salmon and ocean whitefish. Likewise, they have fiber-rich vegetables such as peas, spinach, sweet potatoes, and carrots. Their recipes are rich in protein, antioxidants, and essential vitamins. Freshpet also sells cat food. Nutro Dog Food Like Freshpet, Nutro Dog also produces dog foods using only natural ingredients. They have many labels under them such as Max Cat, Greenies, Perfect Portions, Farm’s Harvest and Rotations. They manufacture treats, wet and dry foods according to the life stage, breed, and its size. Their recipes contain ingredients such as venison, chicken, salmon, and lamb. They also have a Limited Ingredient Diet for dogs who suffer from food allergies.