• Disability Insurance: Understanding Your Options

    For More Articles on Life Insurance, Visit Our Life Insurance Resource Center.   The possibility of becoming disabled seems so remote to most Americans, that few of us have enough saved to cover three month’s worth of living expenses in the event of a major accident or illness; according to the Council for Disability Awareness …

  • Military Service and Life Insurance

    For More Articles on Life Insurance, Visit Our Life Insurance Resource Center. Over 1.3 million American men and women now serve in the U.S. armed forces. There are many well-known benefit programs offered to these military personnel – one of the most important (and possibly overlooked) of these is exclusive access to low cost life …

  • Long-term Care Insurance: What You Need to Know

    For More Articles on Life Insurance, Visit Our Life Insurance Resource Center. Long-term care insurance (LTCI) is designed to help people who can no longer care for themselves afford long-term care. LTCI can be expensive, but it’s a lot cheaper than long term care itself. For many families now facing down the high costs of …

  • Cash Value and Life Insurance: How to Pull Money Out of Your Policy

    For More Articles on Life Insurance, Visit Our Life Insurance Resource Center. At some point in our formative years we’ve had a parent or caregiver say to us “just because your friend jumps off a bridge doesn’t mean you should.” Of course they were trying to teach us that just because you can do something …

  • Life Insurance Loopholes To Avoid

    For More Articles on Life Insurance, Visit Our Life Insurance Resource Center. Life insurance policies are contracts, and like all contracts, many of the important items are often found in the fine print. In the case of life insurance policies, the fine print refers to the body of the contract where exclusions are spelled out. …

  • How to Build and Borrow Cash From Your Life Insurance Policy

    For More Articles on Life Insurance, Visit Our Life Insurance Resource Center. Life insurance comes in two basic flavors: term and permanent. Term insurance is pure insurance, and as such, its only benefit is the death benefit. Permanent insurance includes whole life, universal life and variable life, and has living benefits — foremost of which …

  • An Introduction to Earning Dividends with a Participating Policy Contract

    For More Articles on Life Insurance, Visit Our Life Insurance Resource Center. Life insurance is like ice cream, it comes in lots of flavors, and like ice cream flavors, no form of life insurance is clearly better than the rest. It’s all about personal preference which, when it comes to life insurance, can have a …

  • Life Insurance Settlements: Why It’s Not Your Best Financial Option

    For More Articles on Life Insurance, Visit Our Life Insurance Resource Center. Have you been considering a life settlement? You need to make sure it’s a good idea for you before you jump. What is a Life Settlement? A life settlement consists of the cash sale of an individual’s life policy to a third party. …

  • Who Needs Whole Life Insurance Coverage?

    For More Articles on Life Insurance, Visit Our Life Insurance Resource Center. Whole life insurance, like term insurance, will pay your beneficiaries a specific amount of money upon your death. The primary difference between term and whole life is that term insurance provides coverage for a set period (10 or 20 years, for instance), while …

  • Term Life Insurance: How Convertibles and Guaranteed Renewals Work

    For More Articles on Life Insurance, Visit Our Life Insurance Resource Center. Starting a family comes with questions you never had to consider before, such as the financial well-being of your loved ones following your death. Life insurance will provide for their needs later, but right now you just can’t afford permanent insurance; whole, universal …

  • Face and Offset Funeral Costs Early with Life Insurance

    For More Articles on Life Insurance, Visit Our Life Insurance Resource Center. Planning our own funeral or making plans for our own post-mortem is uncomfortable. But, as Benjamin Franklin said, “In this world nothing can be said to be certain, except death and taxes.” It may be easier to avoid confronting mortality by leaving the …