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Life Insurance Article Library

Learn more about life insurance, the different policies available and tips and tricks to save.

I’m In My 20s or 30s. Do I Need Life Insurance?
May. 11, 2025
5 min read

I’m In My 20s or 30s. Do I Need Life Insurance?

When should you get life insurance? If you’re young, you may not have ever considered buying life insurance. You’ve got more immediate expenses to deal with, and life insurance seems like something middle-aged people need to worry about. Not so, according to experts, who advise that it’s never too early to be insured.

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What Is Universal Life Insurance?
May. 04, 2025
6 min read

What Is Universal Life Insurance?

Universal life insurance offers permanent coverage with a unique twist—flexibility. Unlike other policies that lock you into fixed premiums and set death benefits, universal life insurance allows you to make adjustments as your needs change.

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How Does Life Insurance Work?
May. 04, 2025
7 min read

How Does Life Insurance Work?

Life insurance is a necessity if you have immediate family or others that count on your income. However, choosing a policy that fits your financial goals and is affordable can be challenging.

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Life Insurance Riders and Add-ons: How to Customize Your Policy
May. 04, 2025
4 min read

Life Insurance Riders and Add-ons: How to Customize Your Policy

We all want to protect our family's financial future—but life's circumstances can be unpredictable.

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Life Insurance Calculator: How Much Coverage Do You Really Need?
May. 04, 2025
4 min read

Life Insurance Calculator: How Much Coverage Do You Really Need?

Are you sure you’ve calculated the right amount of life insurance to fully protect your family’s financial future?

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Life Insurance for People with Pre-existing Conditions
May. 04, 2025
4 min read

Life Insurance for People with Pre-existing Conditions

Pre-existing conditions add complexity to life insurance applications, but they don't have to be a barrier to protecting your family's future.

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What Is The Cost Of Long-Term Care Insurance By Age?
May. 04, 2025
4 min read

What Is The Cost Of Long-Term Care Insurance By Age?

Long-term care insurance is a vital financial safeguard that helps cover the costs of extended care when you can no longer care for yourself.

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How to Withdraw Money From Life Insurance Policy
May. 04, 2025
4 min read

How to Withdraw Money From Life Insurance Policy

Some life insurance policies do more than protect your family's future—they can also provide financial flexibility during your lifetime.

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What is 20-Year Term Life Insurance?
Apr. 20, 2025
5 min read

What is 20-Year Term Life Insurance?

Are you thinking about purchasing life insurance but aren’t sure what kind of policy to choose? Choosing life insurance is a big decision, as you want to ensure your loved ones are protected in the event of your passing. But, sifting through all of the policy options can often feel overwhelming. How do you know what life insurance is right for you?

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What Is No Exam Life Insurance
Apr. 01, 2025
3 min read

What Is No Exam Life Insurance

It’s easy to put off buying life insurance, even when you know how important it is. The requirement by some insurers that you have a medical exam before you are approved can be just one more obstacle in the way. Scheduling an exam and taking off work can take too much time.

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Is Term Life Still the Best Option in 2025?
Mar. 18, 2025
4 min read

Is Term Life Still the Best Option in 2025?

Life insurance seems simple: protect your family if something happens to you. But with policies ranging from $20 to $2,000 per month, how do you know what's actually worth it?

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Top Mistakes to Avoid When Buying Life Insurance
Mar. 18, 2025
5 min read

Top Mistakes to Avoid When Buying Life Insurance

Life insurance can provide your loved ones with financial support to pay off debts, plan for the future, or maintain their standard of living in your absence.

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How Much Life Insurance Do I Need?
Feb. 17, 2025
6 min read

How Much Life Insurance Do I Need?

Life insurance is an important investment, both for you and your family.

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Do You Need Life Insurance in Retirement?
Feb. 06, 2025
5 min read

Do You Need Life Insurance in Retirement?

While retirement brings financial freedom, it also raises an important question: Should your life insurance coverage continue?

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Best Life Insurance Companies of {year}
Jan. 30, 2025
2 min read

Best Life Insurance Companies of 2025

Savvy planning can ensure that you or your family members are covered if faced with the death of a loved one. The ideal tool to guard against a sudden lack of income or ongoing financial obligations is a life insurance policy, and there are a number of choices available.

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Life Insurance for Smokers and Tobacco Users
Jan. 26, 2025
4 min read

Life Insurance for Smokers and Tobacco Users

Understanding how smoking affects policies and which insurers offer competitive rates can help you secure affordable coverage.

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How to Get the Right Life Insurance to Protect You And Your Family
Jan. 20, 2025
3 min read

How to Get the Right Life Insurance to Protect You And Your Family

According to a survey run by the non-profit Life Happens, 90% of people with families agree that life insurance is a must—but only 60% of them have life insurance.

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What Senior Citizens Should Consider When Choosing a Life Insurance Provider
Jan. 20, 2025
5 min read

What Senior Citizens Should Consider When Choosing a Life Insurance Provider

With age comes a host of challenges that are better solved sooner than later, and thankfully life insurance offers a calming solution.

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The Basic Types of Life Insurance and The Ideal Time to Buy Them
Jan. 20, 2025
6 min read

The Basic Types of Life Insurance and The Ideal Time to Buy Them

Know you should probably be thinking about getting life insurance but don’t know where to start? Make sure you know what options you have available and which are right for your specific circumstances.

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What is Cash Value Life Insurance?
Jan. 20, 2025
3 min read

What is Cash Value Life Insurance?

Cash value life insurance combines standard coverage with a built-in savings feature, making it a unique financial planning tool.

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The Pros and Cons of Joint Life Insurance Policies
Jan. 20, 2025
4 min read

The Pros and Cons of Joint Life Insurance Policies

Looking to protect your shared financial future while potentially saving money? Joint life insurance policies offer couples and business partners a way to secure two lives under one policy.

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How Much Does Long Term Care Insurance Cost?
Nov. 05, 2024
4 min read

How Much Does Long Term Care Insurance Cost?

Long-term care insurance covers costs for nursing homes, hospices, or in-home specialized care—expenses often not included in traditional healthcare plans.

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How to Get Insured If You’ve Ditched Your 9-5 Job to Join the Gig Economy
Sep. 18, 2024
4 min read

How to Get Insured If You’ve Ditched Your 9-5 Job to Join the Gig Economy

If you earn money from freelance or contract work, you’re not alone. In recent years, millions of Americans joined the gig economy, which is where temporary contracts and short-term engagements are commonplace.

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What Is No Exam Life Insurance?
Sep. 05, 2024
8 min read

What Is No Exam Life Insurance?

Life insurance companies prefer to cover the healthiest, youngest people, offering them the lowest rates. Traditional policies usually require a medical exam, a detailed questionnaire, and sometimes blood work.

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How Much Life Insurance Do I Need?
Sep. 03, 2024
4 min read

How Much Life Insurance Do I Need?

It’s hard to exaggerate the importance of having life insurance. But how do you make sure you maintain the right balance between sufficient coverage, and overpaying for insurance?

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How to Use Life Insurance to Give Your Child a Head Start
Aug. 15, 2024
6 min read

How to Use Life Insurance to Give Your Child a Head Start

Life insurance can act as a powerful and flexible financial tool to make an impact on the quality of life for your family.

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What’s the Difference Between Term and Whole Life Insurance?
Aug. 15, 2024
5 min read

What’s the Difference Between Term and Whole Life Insurance?

About 1 in 5 people say they don’t have enough life insurance, according to a survey from LIMRA. The survey also found that 44 percent of consumers, especially younger generations, overestimate the cost of life insurance premiums by as much as 5 times.

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Unique Life Insurance Perks
Aug. 15, 2024
5 min read

Unique Life Insurance Perks

Most people only think about life insurance when they are considering what will happen to their loved ones if they die. But what if you become seriously ill and can't work? What if you can't make your monthly payments?

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The Ultimate Guide to Life Insurance
Jul. 30, 2024
6 min read

The Ultimate Guide to Life Insurance

Get the lowdown on life insurance, including all the different policy types, what's covered and how to apply.

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Life Insurance Underwriting and Evaluation: How to Get Approved
Jul. 30, 2024
7 min read

Life Insurance Underwriting and Evaluation: How to Get Approved

Be prepared for every eventuality by understanding the often complex world of life insurance and how it all works.

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