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Life Insurance

Term vs. Whole Life Insurance

Term versus whole life insurance

by Catherine Hiles
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Updated on March 13, 2022
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4 Min Read
When shopping for life insurance, there are two main types to consider: term and whole life insurance. Learn the differences and see which is right for you.
Read more >

Life Insurance Blood Tests & Exams Guide

by Elizabeth Rivelli
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Updated on December 5, 2022
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4 Min Read
A life insurance medical exam is often required to get coverage. Learn what to expect during the exam, how to prepare, and how the findings impact your rate.
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Term Life Insurance Guide

by Lee Huffman
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Updated on December 13, 2021
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6 Min Read
Term life insurance is a popular financial tool to protect against loss of life for a specific period of time with affordable premiums.
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How to buy life insurance

by Mandy Sleight
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Updated on November 17, 2022
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7 Min Read
A guide on how to buy life insurance: what it is, when you should buy it, how much coverage you need, how to choose a policy, where to buy, and costs.
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What Are Life Insurance Nonforfeiture Options?

by Aaron Hurd
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Updated on September 25, 2022
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3 Min Read
There are several life insurance nonforfeiture options typically available to holders of permanent life insurance, long-term disability and long-term care contracts.
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How does life insurance work?

by Chris Muller
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Updated on December 21, 2021
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13 Min Read
Life insurance provides important protection when a policyholder dies, and a beneficiary will receive the death benefit (upon proof of a death certificate). You sign up for a plan with a provider and make some regular payments for the plan.
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The 10 best life insurance companies of 2022

by Holly Johnson
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Updated on January 2, 2022
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10 Min Read
The best life insurance companies offer the coverage you need for a price you can afford. Find out which companies made our ranking in terms of their financial strength, ratings, reviews, and customer experience.
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What Is A Waiver Of Premium Rider?

by Jessica Martel
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Updated on March 17, 2022
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3 Min Read
A waiver of premium rider is one way to customize your life insurance policy to provide the coverage and protection you may need if you experience a disability.
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Guide to Accidental Death and Dismemberment (AD&D) Insurance

by Matthew Collister
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Updated on October 25, 2021
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6 Min Read
Accidental death and dismemberment insurance protects your family financially in the event of a severe or deadly accident. Learn more.
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Types of Life Insurance Riders

by Holly Johnson
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Updated on December 13, 2021
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5 Min Read
Life insurance riders let you upgrade your life insurance policy for an additional cost. Find out about the most popular riders in this comprehensive guide.
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Life Insurance vs. AD&D Insurance

by Lee Huffman
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Updated on December 13, 2021
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4 Min Read
Life insurance and AD&D policies are usually purchased to provide a death benefit in case of death, but there are meaningful differences in their coverage.
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What Is Supplemental Life Insurance?

by Holly Johnson
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Updated on December 21, 2021
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4 Min Read
Supplemental life insurance is a type of life insurance that is offered by employers. Find out how this coverage works and who it's best for.
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Largest Life Insurance Companies

by Choncé Maddox
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Updated on August 3, 2022
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2 Min Read
What are the largest life insurance companies? Life insurance has been around for a long time. Here are 15 top companies with the highest market shares.
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What Is Guaranteed Issue Life Insurance?

by Cynthia Paez Bowman
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Updated on March 3, 2022
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3 Min Read
Guaranteed issue life insurance provides you with “no questions asked” coverage when you don’t want to discuss your health history or undergo a medical exam.
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Whole Life vs. Universal Life Insurance

by Jen Smith
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Updated on March 13, 2022
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4 Min Read
Thinking about permanent life insurance? Learn the differences between whole life and universal life insurance to choose the one that’s right for you.
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Voluntary Life Insurance Guide

by Elizabeth Rivelli
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Updated on November 8, 2021
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4 Min Read
Thinking about getting voluntary life insurance from your employer? Here's how much it costs, how it works, and what to ask before you buy a policy.
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How Much Life Insurance Do I Need?

by Cynthia Paez Bowman
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Updated on December 21, 2021
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4 Min Read
Life insurance is an important part of financial planning. It ensures you don’t leave your family burdened with all the financial responsibility you helped carry while living.
Read more >

Types of Life Insurance

by Roger Wohlner
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Updated on March 13, 2022
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11 Min Read
There's a number of life insurance policies, read more about how each policy differs and which may be the best fit for your you.
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Can You Take Life Insurance Out on Someone Else

by Lee Huffman
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Updated on December 13, 2021
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4 Min Read
Most life insurance policies are owned by the insured person, but some policies are owned by someone else. We share how that works and common reasons why.
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What is Single Premium Life Insurance?

by Matthew Collister
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Updated on July 3, 2022
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5 Min Read
Single-premium life insurance is a type of policy requiring just one lump-sum payment of premium at coverage inception.
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Term vs Permanent Life Insurance

by Elizabeth Rivelli
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Updated on March 13, 2022
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5 Min Read
Term life and permanent life are the two main types of life insurance. Here's how these policies differ in terms of price, coverage, and duration.
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What Is Permanent Life Insurance

by Matthew Collister
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Updated on March 13, 2022
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4 Min Read
Permanent life insurance stays in effect until your death, pays a death benefit, and has a cash value feature to help you save money. There’s no set term of years. Hence the label “permanent”.
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What is Cash Value Life Insurance?

by Matthew Collister
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Updated on March 13, 2022
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7 Min Read
Cash value life insurance provides financial protection for your family, along with a savings tool you can access while living. Learn more.
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What Is Universal Life Insurance?

by Elizabeth Rivelli
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Updated on March 13, 2022
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4 Min Read
Universal life insurance offers flexible coverage, but it has downsides. Read our guide to universal life insurance, and see if it's the right option for you.
Read more >

Guide to Life Insurance Medical Exams

by Holly Johnson
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Updated on March 13, 2022
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6 Min Read
Life insurance medical exams help companies determine your eligibility for coverage as well as how much you'll pay. Find out what to expect and the steps you can take to improve your results.
Read more >

No Medical Exam Life Insurance: What You Need to Know

by Matthew Collister
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Updated on March 13, 2022
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6 Min Read
No-medical-exam life insurance is an option that allows you to buy a policy without having that medical exam. Instead company may ask you to do a much simpler questionnaire about your health, while relying on your medical records to inform their underwriting assessment.
Read more >

What Is Simplified Issue Life Insurance?

by Elizabeth Rivelli
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Updated on March 13, 2022
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3 Min Read
Simplified issue life insurance doesn't require a medical exam and has no waiting period. Learn more about this type of coverage to see if it's right for you.
Read more >

What Is Variable Universal Life (VUL) Insurance?

by Holly Johnson
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Updated on March 13, 2022
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4 Min Read
Variable universal life (VUL) insurance lets consumers secure a death benefit with an investment component. Find out who this type of permanent coverage is best for and how it works.
Read more >

Is Life Insurance Taxable?

by Elizabeth Rivelli
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Updated on January 11, 2022
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5 Min Read
Life insurance usually isn't taxable, but there are exceptions. Find out when life insurance money is subject to taxes and how you can avoid them.
Read more >

An Introduction to Irrevocable Life Insurance Trusts (ILIT)

by Matthew Collister
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Updated on January 11, 2022
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4 Min Read
An irrevocable life insurance trust (ILIT) can protect generational wealth by sheltering a life insurance policy’s death benefit from estate taxes. Learn more.
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Group Term Life Insurance Guide

by Holly Johnson
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Updated on December 21, 2021
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6 Min Read
Group term life insurance is a common benefit offered to employees. Find out how this coverage works and why it's best used as supplementary coverage to your own life insurance policy.
Read more >

Does Life Insurance Cover Suicide?

by Elizabeth Rivelli
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Updated on December 21, 2021
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3 Min Read
Life insurance typically covers suicide, but there are some limitations. Here's what you need to know about the life insurance suicide clause.
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What is Whole Life Insurance?

by Matthew Collister
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Updated on December 13, 2021
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5 Min Read
Whole life is a form of insurance that provides both a death benefit and a savings component that can add flexibility to your financial portfolio.
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Is Life Insurance Tax Deductible?

by Jennifer G Gregory
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Updated on December 13, 2021
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4 Min Read
This article discusses the tax deductibility of life insurance. While there are certain exceptions, the general answer is no – however there are a number of significant tax advantages from life insurance.
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Selling Your Life Insurance Policy

by Lee Huffman
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Updated on December 13, 2021
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5 Min Read
Life insurance policies are one of a person's largest assets. It is possible to sell your policy to receive cash now versus waiting until you pass away.
Read more >

Can You Have More Than One Life Insurance Policy?

by Catherine Hiles
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Updated on December 13, 2021
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5 Min Read
While it is possible to have multiple life insurance policies at the same time, your income and debts may also be covered by a single policy.
Read more >

Understanding Indexed Universal Life (IUL) Insurance

by Matthew Collister
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Updated on December 13, 2021
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5 Min Read
Indexed universal life (IUL) insurance provides financial security to your family while earning you money based on stock market performance. Learn more.
Read more >

What is a Contingent Beneficiary?

by Catherine Hiles
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Updated on October 25, 2021
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5 Min Read
A contingent beneficiary is a person who receives assets from your estate should your primary beneficiary die before you do or be unreachable upon your death.
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