You'd think it would be enough for filmmaker James Wan to have two hugely successful horror franchises under his belt with Saw and Insidious (both co-created with writing partner Leigh Whannell). But ...

Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny ...