GOLDEN VALLEY, Minn. - A study shows that nearly two-thirds of Americans are dying with debt, and the average amount they owe is $62,000.

The number drops to about $13,000 if you take out mortgage debt. Certified Financial Planner Jeff Clark with Pine Grove Financial Group has these suggestions for you if you want to make sure your family is taken care of after you die.

1. Stay out of debt

2. Get life insurance

3. Make an estate plan

For information on a wide variety of aging-related topics, call the Minnesota Board on Aging’s "Senior Linkage Line". Experts will answer your questions weekdays from 8 a.m. to 4:30 p.m. The toll free number is 1 (800) 333-2433.