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INSURANCE
Terrified of being hospitalized overseas?

You know that medical emergencies can happen anywhere anytime. Even on vacation. So save yourself and your family members from facing emergency surgery in Albania or Costa Rica and buy a "med evac" policy before you leave home. For $295 a year for families ($195 for individuals), an Air Ambulance Card (www.airambulancecard.com) gets you medical attention on a flight to the hospital of your choice. The air staff's medical director will coordinate with the attending physicians and your doctors back home, and will monitor your progress during the entire transport process. Similar coverage is available for $350 for families, $225 for individuals from MedjetAssist (www.medjetassist.com), which also offers short-term family plans as low as $155 for seven days. Both companies restrict their plans to individuals under the age of 75.

ESTATE PLANNING
Some folks just can't let go

You can't take it with you, but you sure can attach strings. And the uber-wealthy, it seems, part with their money with a lot more stipulations than do ordinary rich folks. In particular, more than half of those with $10 million or more in assets make their heirs meet certain requirements, such as age or level of education, before they can get their inheritance, says a survey released by PNC Wealth Management. Only 30 percent of those with less than $5 million, and four in 10 of those worth between $5 million and a buck under $10 million, have tied any strings to their estates.

The survey of individuals with at least $500,000 in investable assets (or $1 million if retired) found that most plan to leave their riches to their families. Almost 75 percent of estate plans include the kids, 61 percent include a spouse, and a third stash away some for grandchildren. Only 30 percent plan to leave anything to a charity.

Source: The PNC Financial Services Group