Those in their fifties should consider what their financial options would be if they developed a physical or mental frailty, it is claimed.
Online resource the Daily Local calls for older people to consider how they would manage if they required long-term care and how they would fund such a need.
It suggests they look at insurance, recommending they consider their age and the likelihood of developing a condition which means they require care.
"To make a decision, consider whether dementia, neurological disorders or chronic conditions like diabetes run in the family," the publication recommends.
It notes that having long-lived relatives may also highlight the need for insurance.
Recently, the Daily Mail flagged up a study conducted by the Swedish Karolinska Institutet which revealed co-habiting couples are less likely to develop dementia but more likely to live longer.
The newspaper suggested stress and depression are less common among married couples.
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