Negative caricatures of aging are far too prevalent in our culture -- and they are harmful. Simply telling people to think positively about aging doesn't work, because the mind is very good at thwarting such explicit lessons. There may, however, be a more subtle way to mitigate the deleterious effects of such caricatures.
Insurance is only worth the money if it truly protects you and your finances. At this time in life, as you approach retirement or semi-retirement, it's wise to re-examine your current policies. That way you'll know that you have what you need -- and you're not wasting precious dollars on what you don't.