Due to the New Year's holiday, this month's First- Monday Lunch will be held at noon next Monday, January 8, in our office at 535 Boylston. Susan Turnbull will explore creating Ethical Wills and methods of transmitting to your children and grandchildren: your values, your story and life's lessons. To register for either or both programs, call 617/267-9700 or email rsvp@margolis.com.

The Family Caregiver Alliance National Center on Caregiving (NCC), reports that Massachusetts has an estimated 650,000 family caregivers who work approximately 700,000,000 hours a year for an annual market value of approximately $7 billion.

If you have owned the same life insurance policy for a number of years, it may be time to have your policy reviewed. Recent changes in life expectancy tables used by insurance companies may make you eligible for lower rates for the same coverage despite your increase in age. If you no longer need the same coverage, your policy may possibly be sold for more than cash surrender value. Furthermore, if you have high net-worth, a new market can provide you free life insurance for up to two years.

These are a few significant reasons an insurance review may be beneficial to you. Contact your insurance agent or attorney who can put you in touch with the right insurance professionals.

Colorado Elder Law attorney, speaker, and author, Kathleen A. Negri, offers her personal and professional insights into how families can turn a parent's Alzheimer's diagnosis into an opportunity for growth and new found intimacy in her new book, Mom, Are You There? Finding a Path to Peace Through Alzheimer's. For more information, see www.steppingstonestopeace.com.