Life insurance articles

Before buying life insurance, it’s important to understand the different policy types, assess how much coverage you need, consider adding riders, and shop around to find the best plan for your financial goals and family’s future.

The Mother’s Day Index is intended to acknowledge the work mothers do. According to Insure.com’s Mother’s Day Index for 2024, moms' wages increased by 5% from last year’s Mother's Day Index. Read on to know more.

To buy life insurance, assess your needs, compare quotes, choose the right policy type, and complete an application with your selected insurer.

If moms earned a paycheck, their salary would be over six figures. See how much their unpaid work is worth in our 2025 Mother’s Day Index.

Understand the benefits and drawbacks of crowdfunding for a funeral and explore the reliable way for funeral.

Women are experiencing higher levels of financial stress than men, and that stress is contributing to a significant life insurance coverage gap — but with better education, accessible resources, and support, they can take steps to protect their financial future.

Term life insurance is the most affordable type of life insurance. It pays out a death benefit if you die during a specified period of time, usually 10 to 40 years.

Final expense insurance, also known as burial or funeral insurance, is a type life insurance that pays out a small death benefit to cover end-of-life expenses.

Mortgage protection insurance is a type of policy that covers the remaining balance of your mortgage in the event of your death, ensuring your home is protected from foreclosure and your family is not burdened with mortgage payments.

Whole life insurance provides lifelong coverage and can also help you build a financial cushion you can use when you need it most.

Understanding how to manage money — whether it’s budgeting, saving, investing, or choosing insurance — is essential, yet many people lack the confidence or knowledge to take action, often overestimating costs or feeling unsure about what they need.

Rates for a $1 million life insurance policy depend on your age and health.

Women are experiencing higher levels of financial stress than men, and that stress is contributing to a significant life insurance coverage gap as many women believe they can't afford coverage; but with better education, accessible resources and support they can better protect their financial future.

The best wedding insurance company for you depends on what type of protection you need & what your venue requires.Refer the best companies list given to protect your wedding.

The 10 biggest life insurance companies held nearly 46% of the market share in the U.S. during 2023. New York Life is the biggest life insurer of them all.

Life insurance policies are full of legal and confusing language. Check out our comprehensive guide on how to read a life insurance policy and understand key terms and definitions.

Cash value life insurance is a type of permanent life insurance that not only provides a death benefit but also accumulates a cash value over time. This cash value grows tax-deferred and can be accessed by the policyholder through loans or withdrawals, offering additional financial flexibility.

Life insurance comes in various forms, with term life insurance providing coverage for a specific period, typically offering lower premiums, while whole life insurance offers lifelong protection and includes a cash value component that grows over time.

Insure.com's life insurance calculator offers an individualized analysis of your life insurance needs. Experts recommend getting at least 10 times your income in life insurance coverage.

Life insurance rates for seniors tend to be higher due to age and health risks, but simplified issue and final expense policies can provide affordable coverage without a medical exam.

The best life insurance companies in 2025 are Northwestern Mutual, MassMutual and New York Life, based on our rankings.

Term life insurance saw steady growth in 2024, with new annualized premium rising 2% in the fourth quarter to $768 million.

In honor of Black History Month, let's explore the financial security, knowledge, and concerns of Black Americans, highlighting the unique challenges and experiences they face.

Life insurance provides financial protection by paying a death benefit to designated beneficiaries upon the insured's death in exchange for regular premium payments.

If you think you might be the beneficiary of a life insurance policy, start by checking personal records, contacting past employers, and reaching out to state insurance departments to locate it.

Learn more about the importance of life insurance during Life Insurance Awareness Month—your family’s safety net for financial security and stability.

The average cost of a funeral is upwards of $10,000. A robust life insurance policy can cover the cost of end-of-life expenses.

When discussing end-of-life expenses with loved ones, approach the conversation with empathy and openness, focusing on the importance of planning to ease future burdens.

The average cost of life insurance for 35-year-old male smokers in California is $1,675. Meanwhile, 35-year-old female smokers pay $1,341.

The average cost of life insurance for 35-year-old male smokers in Florida is $1,686. Meanwhile, 35-year-old female smokers pay $1,346.

The average cost of life insurance for 35-year-old male smokers in Georgia is $1,687. Meanwhile, 35-year-old female smokers pay $1,350.

The average cost of life insurance for 35-year-old male smokers in Illinois is $1,619. Meanwhile, 35-year-old female smokers pay $1,299.

The average cost of life insurance for 35-year-old male smokers in Michigan is $1,619. Meanwhile, 35-year-old female smokers pay $1,299.

The average cost of life insurance for 35-year-old male smokers in New York is $1,577. Meanwhile, 35-year-old female smokers pay $1,280.

The average cost of life insurance for 35-year-old male smokers in North Carolina is $1,706. Meanwhile, 35-year-old female smokers pay $1,363.

The average cost of life insurance for 35-year-old male smokers in Ohio is $1,619. Meanwhile, 35-year-old female smokers pay $1,299.

The average cost of life insurance for 35-year-old male smokers in Pennsylvania is $1,680. Meanwhile, 35-year-old female smokers pay $1,341.

The average cost of life insurance for 35-year-old male smokers in Texas is $1,684. Meanwhile, 35-year-old female smokers pay $1,348.

How much you pay for $400,000 in life insurance coverage depends on your age, gender and lifestyle choices. Read on to learn how much you should expect to pay.

Secure your future by tackling financial planning, protecting loved ones and preparing for life’s unexpected moments.

It’s crucial to understand life insurance options for people with autism. Read on to learn about life insurance for people with autism & how do parents buy life insurance for a child with autism.

The Insure.com elves calculate an annual salary for the Man with the Bag each year using U.S. Bureau of Labor Statistics (BLS) salary information for comparable jobs in 2024.

The average life insurance cost for 35-year-old males in Alabama is $359, while 35-year-old females pay $304.

The average life insurance cost for 35-year-old males in Alaska is $359, while 35-year-old females pay $304.

The average life insurance cost for 35-year-old males in Arizona is $359, while 35-year-old females pay $303.

The average life insurance cost for 35-year-old males in Arkansas is $359, while 35-year-old females pay $304.

The average life insurance cost for 35-year-old males in Colorado is $358, while 35-year-old females pay $302.

The average life insurance cost for 35-year-old males in Connecticut is $359, while 35-year-old females pay $304.

The average life insurance cost for 35-year-old males in Delaware is $359, while 35-year-old females pay $304.

The average life insurance cost for 35-year-old males in Hawaii is $358, while 35-year-old females pay $303.

The average life insurance cost for 35-year-old males in Idaho is $359, while 35-year-old females pay $304.

The average life insurance cost for 35-year-old males in Indiana is $360, while 35-year-old females pay $305.

The average life insurance cost for 35-year-old males in Iowa is $359, while 35-year-old females pay $304.

The average life insurance cost for 35-year-old males in Kansas is $359, while 35-year-old females pay $303.

The average life insurance cost for 35-year-old males in Kentucky is $361, while 35-year-old females pay $305.

The average life insurance cost for 35-year-old males in Louisiana is $358, while 35-year-old females pay $303.

The average life insurance cost for 35-year-old males in Maine is $358, while 35-year-old females pay $303.

The average life insurance cost for 35-year-old males in Maryland is $359, while 35-year-old females pay $304.

The average life insurance cost for 35-year-old males in Massachusetts is $358, while 35-year-old females pay $303.

The average life insurance cost for 35-year-old males in Mississippi is $360, while 35-year-old females pay $305.

The average life insurance cost for 35-year-old males in Missouri is $360, while 35-year-old females pay $303.

The average life insurance cost for 35-year-old males in Montana is $357, while 35-year-old females pay $324.

The average life insurance cost for 35-year-old males in Nebraska is $359, while 35-year-old females pay $303.

The average life insurance cost for 35-year-old males in Nevada is $359, while 35-year-old females pay $304.

The average life insurance cost for 35-year-old males in New Hampshire is $359, while 35-year-old females pay $304.

The average life insurance cost for 35-year-old males in New Jersey is $359, while 35-year-old females pay $304.

The average life insurance cost for 35-year-old males in New Mexico is $359, while 35-year-old females pay $304.

The average life insurance cost for 35-year-old males in North Dakota is $359, while 35-year-old females pay $303.

The average life insurance cost for 35-year-old males in Oklahoma is $359, while 35-year-old females pay $303.

The average life insurance cost for 35-year-old males in Rhode Island is $359, while 35-year-old females pay $304.

The average life insurance cost for 35-year-old males in South Carolina is $362, while 35-year-old females pay $308.

The average life insurance cost for 35-year-old males in South Dakota is $359, while 35-year-old females pay $303.

The average life insurance cost for 35-year-old males in Utah is $359, while 35-year-old females pay $304.

The average life insurance cost for 35-year-old males in Vermont is $358, while 35-year-old females pay $303.

The average life insurance cost for 35-year-old males in Virginia is $361, while 35-year-old females pay $305.

The average life insurance cost for 35-year-old males in Washington is $359, while 35-year-old females pay $304.

The average life insurance cost for 35-year-old males in West Virginia is $359, while 35-year-old females pay $304.

The average life insurance cost for 35-year-old males in Wisconsin is $359, while 35-year-old females pay $303.

The average life insurance cost for 35-year-old males in Wyoming is $358, while 35-year-old females pay $303.

The average life insurance cost for 35-year-old males in Oregon is $359, while 35-year-old females pay $303.

The average life insurance cost for 35-year-old males in Tennessee is $360, while 35-year-old females pay $304.

The average life insurance cost for 35-year-old males in Minnesota is $359, while 35-year-old females pay $303.

The average life insurance cost for 35-year-old males in Washington, D.C. is $358, while 35-year-old females pay $303.

A 35-year-old female pays $309 annually for a 20-year term policy with $500,000 in coverage, while a 35-year-old male pays $361. Learn more about how much term life insurance costs by age, coverage amount, term length, and smoker status.

Discover practical options and strategies to secure life insurance or financial protection even if traditional policies aren’t available due to health or risk factors.

To get the best results from your life insurance medical exam, avoid habits that can temporarily alter your health metrics, such as smoking, over-caffeinating, or skipping out on sleep.

Life insurance for people with dementia can provide financial protection and peace of mind for their families, though coverage options may be limited and premiums higher due to the pre-existing condition.

No-medical-exam life insurance is a type of life insurance policy that doesn’t require a physical during the application process. Read on to know more about how does it works,

The life insurance contestability period is a short window when insurance companies can investigate and deny death claims.Read on the complete guide to know more.

Knowing who's listed on your life insurance policy is essential for protecting your loved ones and ensuring the right beneficiaries receive the benefits.

Demutualization is when a mutual insurance company becomes a publicly traded company that shares joint stocks. Read on to learn more about its pros and cons.

Instant life insurance provides coverage quickly without requiring a medical exam or a lengthy application process. Read on to know more about how does it works & how to buy it.

Explore essential tips for planning a respectful funeral without overspending so you can save money while still creating a meaningful service.

Protecting your life insurance payout is essential, and while people not listed on the policy generally can't claim the death benefit, it's important to take precautions to prevent fraud or disputes.

The average life insurance cost for 35-year-old males in Texas is $359, while 35-year-old females pay $304.

The average life insurance cost for 35-year-old males in Pennsylvania is $360, while 35-year-old females pay $305.

The average life insurance cost for 35-year-old males in Ohio is $362, while 35-year-old females pay $306.

The average life insurance cost for 35-year-old males in New York is $378, while 35-year-old females pay $325.

The average life insurance cost for 35-year-old males in North Carolina is $361, while 35-year-old females pay $306.

The average life insurance cost for 35-year-old males in Michigan is $362, while 35-year-old females pay $306.

The average life insurance cost for 35-year-old males in Illinois is $362, while 35-year-old females pay $306.

The average life insurance cost for 35-year-old males in Georgia is $360, while 35-year-old females pay $305.

The average life insurance cost for 35-year-old males in Florida is $361, while 35-year-old females pay $305.

The average life insurance cost for 35-year-old males in California is $361, while 35-year-old females pay $309.

Permanent life insurance provides lifelong coverage with a death benefit and a cash value component that grows over time, making it a long-term financial planning tool.

There are many different types of term life insurance, but level term life insurance is the best option for most people because it offers robust coverage at the best price.

Accidental death and dismemberment (AD&D) insurance provides financial protection by covering accidental deaths and severe injuries, such as the loss of limbs or eyesight, offering an affordable supplement to traditional life insurance.

To explore the tax benefits of life insurance, we spoke to Barry Flagg, president and founder of Veralytic, an independent life insurance research company. Read on to learn more.

Whole life insurance provides lifelong coverage with fixed premiums, a guaranteed death benefit, and a cash value component that grows over time.

Universal life insurance is a flexible type of permanent life insurance that offers lifelong coverage with the added benefit of adjustable premiums and a cash value component that grows tax-deferred.

September is Life Insurance Awareness Month, and if you currently don’t have coverage, this is a great time to think about adding it to your financial plan.

Cancer patients may not be able to get a traditional life insurance policy, though they may be eligible for some non-traditional options. However, people in remission can get life insurance coverage depending on their diagnosis.

A spouse cannot override a beneficiary designation on a life insurance policy unless they have legal grounds, such as community property laws in some states, or a court order mandates the change.

Your life insurance coverage should be higher than the sum of your financial obligations and should last as long as your longest debt.

We spoke with Karen Terry, LIMRA's assistant vice president of Insurance Product Research, to explore how different demographics can overcome the life insurance coverage gap and get adequate coverage.

Which life insurance policy suits you better? Explore an expert review of permanent vs. term life insurance to make a informed choice.

Life insurance riders are add-ons to your policy that provide additional coverage. Most riders come at an additional cost, but some are free. Read on to learn more about life insurance riders.

Life insurance companies cannot reject applicants or charge them higher premiums for being transgender. Here’s everything else you need to know when applying to life insurance as a transgender applicant.

Understand financial challenges facing LGBTQ+ adults and how life insurance can help. Learn more from LIMRA's 2024 Insurance Barometer Study.

Todd Taylor, SVP and Head of Life Insurance Solutions at New York Life, answers the most pressing questions fathers have about life insurance, including when to buy a policy and how to get the right coverage.

According to an analysis by Insure.com,Father’s Day Index 2023, dad’s salary jumps 5% to nearly $55,000.The increase keeps Dad’s earnings in line with current inflation of about 5% in April.

Dad’s earnings pale compared to Mom’s $140,000 salary, according to an analysis by Insure.com.

Discover the essential guide to choosing the right life insurance for every life stage, ensuring financial security for your loved ones.

Getting life insurance with depression or anxiety can be more difficult, but if your condition is well-managed you won't pay much more.

It's difficult but not impossible to get life insurance with bipolar disorder. Be prepared to show regular, effective treatment to increase the chances of approval.

Read why life coverage is important for women & how mothers can ensure their family's finances. Here are the insights from Karen Terry, assistant vice president & head of LIMRA insurance product research.

Buying life insurance when you're a senior citizen can be costly, but you can still get a policy that fits your needs. Here's what you need to know about buying life insurance when you're a senior.

According to Insure.com’s Mother’s Day Index for 2023, the work moms do is worth more than $133,000 a year. The Mother’s Day Index is intended to acknowledge the work that mothers do. Read on to learn more information.

As the industry continues its journey towards greater gender equality, aspiring women professionals, here are some recommendations for those looking to succeed in the life insurance industry.

Purchasing life insurance is one of the most powerful ways to demonstrate your love for your family. Read on to learn about how life insurance demonstrates love.

Give the gift of peace of mind this holiday season with life insurance - a thoughtful way to secure your loved ones' futures.

Discover the best whole life insurance companies in 2023. Make an informed choice for financial security. Compare ratings and benefits now!

LIMRA reports individual life insurance premiums surpassed $3.7 billion in the third quarter of 2023 as people look to protect their family’s financial future.

Discover is whole life insurance a good investment. Know more from our expert Barry Flagg. Make an informed decision today.

A life insurance beneficiary is who or what receives the death benefits after the policy owner dies. Read on to know about whether you can remove your spouse as beneficiary & how it works.

Insure.com’s editorial staff analyzed the insurance market and found several newer, online-only life insurance companies. Read on to learn more about online life insurance companies.

Indexed universal life insurance is a type of cash value life insurance that grows value based on the market. Read on to know more how does it work & how to buy it.

Learn the options available to you when your term life insurance ends. That way, you know what to do when your term life insurance expires.

Our review of Savings+ By Wysh looks at the account's compelling combination of high-yield savings and life insurance with no medical exam required

Average annual rates for a $500,000 10-year term insurance policy are $389 for a 45-year-old non-smoking female in good health and $458 for a 45-year-old male. Rates jump to $1,935 and $3,010 respectively, as you reach age 65.

A 45-year-old female pays an average of $295 a year for a $10,000 death benefit. Meanwhile, a 45-year-old male pays $343.

Shop around and compare quotes from different insurers to get the best possible rate for term life insurance. Read on to know more.

There are three major types of final expense insurance: Simplified issue, guaranteed issue, and pre-need life insurance. The best one for you depends on your individual circumstances.

There are a variety of life insurance options that can fit your needs and budget. Get tips from insurance experts on saving money on your life insurance policy.

Get a better sense of the importance of life insurance and the realities of buying and owning a policy. Read on to know more.

Final expense insurance rates increase with age and are more expensive for men than for women. Rates double between ages 45 and 65.

Final expense insurance is an affordable life insurance option that provides financial coverage and peace of mind for loved ones.

Shop around for final expense insurance quotes from multiple companies and compare them on coverage, rates and company reputation.

Final expense insurance is an affordable option for seniors and those seeking funeral coverage and can help your loved ones with financial obligations.

Discover if whole life insurance is right for you. Know more from our expert Barry Flagg. Make an informed decision today.

We weighed rates from 10 online life insurance companies to find the most affordable online life insurance premiums by gender, age, and smoking status.

Insurance can play a vital role in protecting loved ones and family caregivers.Here’s how insurance can help and what your family can do now to get prepared.

Individuals with a high-net-worth have unique needs to consider when buying life insurance.

Coronavirus may make you think about your mortality and life insurance. Here's what you need to know about life insurance and coronavirus.

Insurance needs shift as we get older. Here are ways to find the right balance.

Discover effective strategies to save money on life insurance without compromising necessary coverage. Explore these 10 essential tips and start saving hundreds each year.

You may be surprised at the ways your insurance can help adult children achieve financial security.

How much is your body worth? Should you consider insuring specific parts of your body, and if so, for how much? That's where AD&D coverage comes into play.

By answering a few, short questions about life insurance, the Life Insurance Advisor will assess your life insurance needs and provide recommendations on coverage for your current situation

You should review your life insurance policy with every major life change. Not doing so risks the financial security of your beneficiaries.

Have a new baby? It's time to learn how life insurance can help protect your new arrival.

Return of premium term life insurance returns your payments if you outlive your policy term. These policies cost more than traditional term life policies.

A pre-existing condition is a health issue that existed before you applied for insurance coverage.If you have a pre-existing condition here are some important things to know before you apply.

Shop around carefully for child life insurance quotes, and compare plans, coverage amounts, and premium costs to determine the best life insurance for kids.

Yes, you can make changes to your health insurance plan if you get pregnant but only during the open enrollment period. Read on to know insurance moves you should make.

Learn why life insurance trusts for child beneficiaries are crucial. Find out how life insurance companies typically require trustees or guardians before paying death benefits to minors.

If you decide that a term life policy is the best option for you, be sure to do your homework. Here are questions to ask when considering a term life policy

If you're shopping for a life insurance policy, you know that health problems will result in a higher premium. But what are the most expensive medical conditions?

Want to buy life insurance online? Follow our steps to shop for life insurance online and find the perfect policy for your needs. Get started today!

Learn how to protect yourself and your finances when you file for divorce.

Some applicants succumb to lying on their applications, hoping their misrepresentations will sneak through the approval process and earn them a lower rate.

When you buy online life insurance, you’re getting pivotal financial protection for your loved ones if you die. Use our guide to save on online life insurance. Read on to know more.

The average cost of online term life insurance varies by company as well as personal factors like age. A 25-year-old can get $500,000 of coverage for less than $20 a month.

A term life insurance policy will differ in price based on numerous factors. Gender, and especially age, can alter the cost dramatically. Read on to know more.

You can get two of the main types of life insurance from online life insurance companies - term life & whole life.These policies are similar to traditional life insurance in many ways.

Policies typically range from 10 to 30 years with limits up to $1 million.Learn more about the best online term life insurance premiums and how personal factors impact rates.

Online life insurance is a type of life insurance policy that is offered completely online.Read on to know how does online life insurance work & what does it cover.

Life insurance can be used to help fund your golden years.

An MIB report is a summary of an individual's medical information and history that is maintained by the Medical Information Bureau (MIB). Read on to know more.

Discover life insurance options for individuals with disabilities like Down syndrome.Learn about underwriting challenges & how do parents can buy life insurance for a child with Down syndrome.

Naming beneficiaries for life insurance may seem simple, but it can get tricky. Avoid 10 common mistakes to ensure the smooth distribution of life insurance money after your passing.

It's possible that you could be in good health and yet be told by your life insurance company that your life insurance application has been turned down or put on hold.

You can get life insurance with high blood pressure, but you might pay more. Controlling your blood pressure will improve your rates.

Your employer's group life insurance benefits probably aren't enough to protect your family. Here's why.

Survivorship life insurance might be a worthwhile purchase for people whose heirs will have to pay hefty estate taxes. Here are the reasons you'd want to purchase a survivorship life insurance.

These occupations come with more risk to their workers, and life insurance companies know this all too well.

Life insurance for diabetics may be harder to find and cost more. The type of diabetes and how well it's controlled affect how much you pay.

Life insurance can help provide for the long-term needs of special needs children. Parents of special needs children should set up a trust for the death benefit.

Here's how to get life insurance if you're a senior.

People who are overweight or obese may have difficulty getting life insurance.Here’s what you need to know before you apply for life insurance if you’re overweight or obese.

Men generally pay more than women for life insurance due to a shorter average lifespan and other statistical risks.

You can lower your life insurance rates by proving that you have improved your health, quit smoking or otherwise reduced risks in your life.

Life insurance for people with HIV is easier to get than in the past, but you may still pay higher rates or have limited options.

If you're buying life insurance, find out what's included in a life insurance medical exam and how to get the best results.

Oral swabs can be used in a life insurance exam to check for nicotine, drug use and HIV, among other things.

You can take cash from your life insurance policy if you need it to pay off debt or for extra retirement income, but make sure it’s the right choice before you do.

You can sell a life insurance policy for cash if you need the money or no longer want the coverage, but not all policies qualify.

People who use e-cigarettes are usually charged the same life insurance rates as smokers. Here's what you need to know if you vape.

Filing a life insurance claim requires a few documents including the death certificate and any forms the company asks you to fill out.

Faking a death to get a life insurance payout is an uncommon form of fraud, but it does happen. The penalties for insurance fraud are steep.

You can dispute the beneficiary of a life insurance policy, but it's a costly and time-consuming legal battle that is hard to win.

Life insurance rates are based on many factors including overall health & habits, excessive alcohol consumption is considered a health risk. You may face higher premiums if you are a heavy drinker.

Vindictive spouses can cause substantial damage through insurance policies.

Variable universal life insurance offers more investment opportunities than other permanent life insurance. Here's what you need to know about variable universal life insurance.

A contingent beneficiary receives the death benefit if the policyholder dies and the primary beneficiary can’t collect the payout. Read on to learn more about contingent beneficiaries.

An accelerated death benefit allows you to tap into your life insurance policy funds before your death. Read on to know more about how it works, types of accelerated benefit riders and more.

LIMRA’s research director discusses when dads should buy life coverage, how much they should get and the advantages of term and whole insurance policies.Read on to know more.

Indexed universal life insurance is one of the permanent policies.Read on to know experts opinion on Indexed universal life insurance.Also learn how does it works & who should buy it.

J.D. Power ratings are an industry benchmark for customer satisfaction.Read on to know how does J.D. Power rate insurance companies & J.D. Power scores for the biggest life insurance companies.

AM Best grades insurance companies on their ability to meet their financial obligations. Read on to know more about how does AM Best evaluate life insurance companies & why it is important.

Whether you’re a stay-at-home parent or primary breadwinner, women need life insurance to protect their family’s financial health. Here's everything you need to know about life insurance for women.

According to findings at the spring 2023 meeting of the NAIC in Louisville, Ky. The percentage of families with life insurance has plummeted from 85.4% in 1971 to 59.4% in 2021.Read on to know more.

The trust owns your life insurance policy, pays the premiums, and gives the death benefit to your beneficiaries when you die. Read on to learn more.

Per capita is the default method for life insurance policies to be distributed. While per stirpes death benefit divided among your beneficiaries according to their family branch.Read on to learn more.

Insure.com spoke with Alison Salka, Ph.D., LIMRA senior vice president and research director, to discuss the importance of life coverage for all mothers.

According to the Mother's Day Index, mothers would have made over $126,725 last year.That's an increase of 9.2% over last year findings. Read on the article to know more about mother's day index.

An irrevocable life insurance trust holds your life insurance policy. Read on to learn more about when to put your life insurance in a trust, how it works and who needs it.

If the life insurance policyholder stopped making payments, you can still try to collect some money. Here's how.

An irrevocable beneficiary is guaranteed to receive part of a life insurance policy’s death benefit. Read on to know more about it, how it works and types of beneficiaries.

The best time for a parent to get life insurance is before becoming a parent. Learn everything you need to know about incorporating life insurance into your family plan.

Here's a complete guide on life insurance marijuana. Learn everything you need to know about getting life insurance if you use marijuana.

Find out the benefits of group life insurance — and its limitations.

A wave of lawsuits from policyholders has prompted insurers to issue refunds. Here’s what to do if your life insurance company raised your rates.

Certain lifestyle choices, such as smoking, increase how much you pay for life insurance coverage. Read on to know more.

The life insurance underwriting process is an important step to getting coverage & determines how much you pay. Read on to learn how it can affect your life insurance premiums.

The life insurance health classification you receive determines how much you pay for coverage. Read on to understand the different life health classifications & how insurers determine rates.

Insure.com's annual Father's Day Index looks at the value of dads’ household jobs and the need to protect the families’ finances with life insurance.

Insure.com's annual study calculates Dad's 'salary' to be 51,293 for 2021 for all the tasks he does around the house. A big bump from an extra pandemic 'job' at home. It is critical that fathers or any caregiver have life insurance to give their loved ones financial security and protection.

Mom's worth this year is in the six-figure range, $116,022. With an extended task of assisting with children's education during the pandemic.What mom does for 'free' at home would be pricey.

Whole & Term Life Insurance Calculator - Life Insurance Needs Calculator

Whole & Term Life Insurance Calculator - Life Insurance Needs Calculator

Combination life insurance is a permanent policy with the added benefit of long-term care. Here's what you need to know about the popular option.

Determining how much life insurance coverage you need can be overwhelming and confusing. Our simple steps to a life insurance needs analysis can help.

Annuity proceeds accumulate on a tax-deferred basis and the payout phase provides a monthly income to you for as long as you choose.

How much is your body worth? Should you consider insuring specific parts of your body, and if so, for how much? That's where AD&D coverage comes into play.

Considering annuities for retirement? But they are not for everyone. Get an in-depth understanding of how they work so you can determine whether they work for you.

Simplified issue term insurance provides life insurance quickly.Learn how to buy it and when to buy it.

Mom's worth this year soars to over $93,000 thanks in part to the extra tasks she has taken on during the pandemic. Replacing what she does for 'free' at home would be pricey. That's why it's important for mothers to have life insurance.

Having diabetes can lead to other health problems. That can put you in a lower life insurance classification. This is what you need to know about life insurance if you're a diabetic.

Heirs might discover a tug of war between a will and a life insurance policy.

Seniors usually have multiple life insurance options. Permanent life insurance is one way to get coverage, but there are also usually term life options depending on your age and health.

Before you start shopping for an insurance policy, take a look at this list of common questions about life insurance.

Term or perm? This crucial decision is the first you'll face as you evaluate your life insurance options.

Life insurance, both premiums and death benefits, are usually not taxable.Here's what you need to know about circumstances related to your life insurance and taxes.

Wedding insurance is a way to get protection for your special day. Know how does wedding insurance works & when you should buy.Also, know alternatives for wedding insurance.

Insure.com's annual Father's Day Index shows the value of household jobs Dad do for the family, based on federal wage data, to show the connection between life insurance and the contributions by caregivers.

Father’s Day around the country conjures images of breakfast in bed, grilling burgers and dogs on the patio, and lavishing praise for handmade cards from the kids. Each year, the Insure.com team highlights dad’s responsibilities at home and acknowledges what his salary should be for these tasks.

If mom was paid BLS wages for all she does for the household, she'd earn about $71,000, which would be difficult to replace for free. That's why it's important for mothers to have life insurance.

Most term life insurance policies let you convert to a permanent life policy before your policy ends.Read on to know the process on how to convert a term life policy to permanent life insurance.

Insure.com's annual Father’s Day Index shows the wages Dad would earn for household jobs, based on federal wage data, and aims to raise awareness about life insurance for caregivers.

Learn why it's paramount for mother's to have life insurance by seeing how much families would pay to have all her household jobs done by someone else.

Avoid a tax trap by understanding how to assign the key players in a life insurance policy.

When you buy life insurance, your life insurance rates will be set in part by your risk class, which is defined by a life insurance company's underwriting guidelines.

Learn why the 2017 salary for what Dad does for the household is important to know when mapping out your life insurance strategy.

Mom's pay continues to rise, but only a bit. Learn what the tasks mothers do most are worth if she was paid wages for them in 2017.

Don't choose a life insurance policy before you understand the financial needs of your beneficiaries.

The latest national survey finds Dad would earn a “salary” of $24,738 for all the jobs he does around the house – a 3.8 percent drop from last year.

Dad’s value is up in 2015, but it's still well below Mom's.

The cost to replace Mom's work didn't keep pace with inflation. Learn what a mother's work is worth this year.

Blood and urine alone can provide a revealing window into your life. Here's what life insurance companies are looking for.

Dad’s value is about $24,000 this year, but here’s how to make him feel like a million bucks.

Mom's hard work would cost more to replace in 2014, according to Insure.com's annual Mother's Day Index.

High school reunions aren't just a nostalgic trip down memory lane, they also shine a glaring light on our mortality.

Life settlement companies are encouraging seniors to sell their life insurance policies and use the money to pay for their health care. Not so simple, consumer advocates warn.

Dads: Here’s one more reason to put your feet up and celebrate yourself this Father’s Day: Your household value is up from last year.

Someone call Jim Cramer. Moms need to get higher valuations.

The index, which takes a look at jobs associated with fatherhood, found that the paycheck for Dad’s domestic tasks this year would be $20,248.

Unearthing an old life insurance policy could be a windfall. Here's what to expect.

From hookah to e-cigs to cigars, every insurer has its own way of defining “smoking.”

Death Master File of the SSA was a valuable resource for insurance companies. Learn more about how companies have a hard time finding beneficiaries if they don’t know who has died.

You may think Dad is tops, but an analysis of federal labor statistics shows that his work around the house probably isn't worth nearly as much as Mom's.

States are hot on the money trail of unclaimed life insurance policies. But for life insurers, not finding policy beneficiaries has substantial rewards.

Life insurance beneficiaries can remain suspects in killings for years without collecting death benefits, and life insurance companies often wind up seeking answers in court.

Your life insurance quotes can be affected by your travel plans. Life insurance companies have used risk assessment for foreign travel for many years. Learn more to know more

Broken collarbones and legs, paralysis, blindness -- even death -- are potential results for those who indulge in extreme sports.

If you decide to sell your policy in a life settlement, you'll enter an evaluation process and receive an offer. Investment groups often bundle these policies together as securities.

Your life expectancy is everything to your life insurance company.

An annuity contract is created when an individual gives a life insurance company money which may grow on a tax-deferred basis and have features of both life insurance and investment products.

View life settlement and viaticals information and obtain free instant policy valuation requests.

A life settlement allows you to receive a large sum of cash in exchange for your life insurance policy when you are still alive.

Buying a viatical or life settlement may or may not be the right choice for you. The following tips are provided by the National Association of Insurance Commissioners.

Viatical glossary provides a comprehensive list of terms and phrases for the education of the consumer regarding the sale, purchase and other aspects of the viatical settlement process.

Selling your life insurance policy may or may not be the right choice for you. The following tips are provided by the National Association of Insurance Commissioners.

Life settlements and viaticals are regulated at the state level. Find out who oversees them in your state.

The question of whether life insurance policies will pay out to policyholders who opt for assisted suicide is one that has not been widely addressed.

Business Men's Assurance Co. of America (BMA) has been purchased by Royal Bank of Canada (RBC) through Liberty Life Insurance Co.

Important considerations when you're shopping for group life insurance.

If you smoke cigarettes or a pipe, you're going to be placed in a high-risk category and will pay more for your life insurance rates.

If you've just taken out a loan, or are in the process of borrowing money or signing up for a credit card, your lender may have suggested you buy credit insurance.

What do you get out of demutualization?

If you divorced recently -- or anticipate a divorce in the coming months -- review your insurance to make sure it meets your new obligations and financial situation.

If you've taken Xanax or Zoloft for anxiety, or if you once used Paxil or Prozac for depression, there's a chance you won't have to pay higher life insurance rates.

PennCorp Financial Group Inc. is selling two of its life insurance companies to Reassure America Life Insurance Co.

Find out how high blood pressure and cholesterol affect your life insurance rates.

When it comes to your investment choices on variable life insurance policies and variable annuities, life insurance companies seem to think that more is better.

EIAs provide a guaranteed interest rate combined with the ability to earn a percentage of certain market-driven indexes, borrowing characteristics from fixed-rate and variable-rate annuities.

When you buy an immediate variable annuity, you pay a lump sum to an insurance company and start receiving monthly payments right away.

If you become seriously disabled or need to go to a nursing home before you retire, your annuity may contain a waiver that triggers payments that are not subject to the usual surrender fees.

If you have an annuity whether it's variable, fixed, or equity-indexed and you're thinking of dumping it, carefully consider the consequences of your decision.

Life settlement companies aren't required to tell you that there may be many viable alternatives to selling your policy that will still provide you with cash, depending on your situation.

Look here for answers to your life settlement and viatical questions.

An overview of developments of viaticals and life settlements.

Larry King sold his life insurance policies and entered the life settlement market without proper advisement.