Life Insurance Article Library

The Financial Reality Gap: Why Your Savings Might Not Be the Safety Net You Think It Is

Jun. 28, 2026

Best Life Insurance for Young Adults in 2026

After comparing 7 providers across premiums, coverage flexibility, and financial strength, our top picks include Banner Life, Ladder, and MassMutual.

20-Year Term Life Insurance: Pros, Costs & When It Makes Sense

May. 11, 2026

20-Year Term Life Insurance: Pros, Costs & When It Makes Sense

A 20-year term life insurance policy is one of the most popular and affordable options—offering fixed premiums, flexible coverage amounts, and peace of mind for families and homeowners.

Is Term Life Still the Best Option in {year}?

Jan. 12, 2026

Is Term Life Still the Best Option in 2026?

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?

Best Burial Insurance Companies of {year}

Nov. 30, 2025

9 min read

Best Burial Insurance Companies of 2026

Life insurance is a great means of protection for your family, ensuring the ability to replace lost income or cover major financial obligations in the event of your unexpected passing.

Our Methodology: How We Rate and Select Top Life Insurance Companies

Nov. 30, 2025

2 min read

Our Methodology: How We Rate and Select Top Life Insurance Companies

We’ve created the following process to identify the most suitable life insurance companies for your needs and deliver on our mission to help you make informed decisions.

What’s the Best Life Insurance for Smokers in {year}?

Nov. 16, 2025

What’s the Best Life Insurance for Smokers in 2026?

While smokers pay more than non-smokers, you still have plenty of options — including term life, no-exam plans, and even guaranteed approval policies.

Top Mistakes to Avoid When Buying Life Insurance

Oct. 14, 2025

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.

What is Level Term Life Insurance and How Does it Work?

Sep. 30, 2025

What is Level Term Life Insurance and How Does it Work?

Level term life insurance is one of the most straightforward and affordable ways to protect your family's financial future.

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

Nov. 03, 2025

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

Life insurance isn't just for older adults. Getting coverage in your 20s and 30s could be one of your smartest financial moves.

Nov. 03, 2025

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.

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

Oct. 30, 2025

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.

Oct. 28, 2025

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?

How Does Life Insurance Pay for Funeral Expenses

Oct. 19, 2025

How Does Life Insurance Pay for Funeral Expenses

Understanding how life insurance funeral expenses work helps you plan for end-of-life costs and protect your family from financial burden during difficult times.

Sep. 09, 2025

7 min read

What Is an Insurance Grace Period?

Missing an insurance payment doesn't mean instant cancellation.

What Is Guaranteed Issue Life Insurance?

Sep. 09, 2025

What Is Guaranteed Issue Life Insurance?

Guaranteed issue life insurance might be your answer if you've been denied coverage or have serious health problems.

Life Insurance for High-Risk Individuals

Sep. 09, 2025

Life Insurance for High-Risk Individuals

Getting life insurance when you're considered high-risk isn't impossible.

Pros & Cons of Living Benefits Life Insurance

Sep. 03, 2025

Pros & Cons of Living Benefits Life Insurance

Living benefits life insurance lets you access your death benefit while alive, offering more than traditional coverage.

Is Whole Life Insurance Worth It? A Comprehensive Guide

Aug. 25, 2025

Is Whole Life Insurance Worth It? A Comprehensive Guide

When it comes to protecting your family's financial future, life insurance is a crucial consideration.

Cash Value Life Insurance: Pros, Cons & Key Considerations

Aug. 24, 2025

Cash Value Life Insurance: Pros, Cons & Key Considerations

Cash value life insurance combines lifelong coverage with a savings component that grows tax-deferred over time.

What is Supplemental Life Insurance and Do You Need It?

Jul. 28, 2025

What is Supplemental Life Insurance and Do You Need It?

Understanding supplemental life insurance helps you secure additional financial protection beyond basic employer-provided coverage.

How to Cancel Life Insurance: A Step-by-Step Guide

Jul. 08, 2025

How to Cancel Life Insurance: A Step-by-Step Guide

Canceling your life insurance policy requires careful consideration and proper execution.

Flood Insurance: How to Get Protection if You're in a High-Risk Area

Jun. 23, 2025

Flood Insurance: How to Get Protection if You're in a High-Risk Area

Rising flood risks are leaving thousands of homeowners vulnerable to devastating financial losses with no protection. Discover how to secure crucial coverage.

Jun. 23, 2025

How Much Life Insurance Do I Need?

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

Do You Need Life Insurance in Retirement?

Jun. 11, 2025

Do You Need Life Insurance in Retirement?

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

How to Withdraw Money From Life Insurance Policy

Jun. 04, 2025

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.

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

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.

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.

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

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.

Life Insurance for People with Pre-existing Conditions

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.

The Pros and Cons of Joint Life Insurance Policies

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.

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

May. 04, 2025

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?

Apr. 01, 2025

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.

What Senior Citizens Should Consider When Choosing a Life Insurance Provider

Jan. 20, 2025

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.

Jan. 20, 2025

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.

How Much Does Long Term Care Insurance Cost?

Nov. 05, 2024

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.

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.

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

Aug. 15, 2024

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.

Aug. 15, 2024