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Life Insurance Articles

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Recent Articles

A mature couple discusses paperwork with a businesswoman in a home.
Jan. 17, 2023 | By David Chang, ChFC®, CLU®

How Much Life Insurance Does Someone Over 60 Need?

Life insurance is an important part of any financial plan. But how much life insurance do you need as a senior? Keep reading to find out.
Young Man Looking At Laptop
Jan. 16, 2023 | By Brittney Myers

How Much Life Insurance Does a 30-Year-Old Need?

Having a large life insurance policy at 30 can seem excessive. But for some, it's actually a good idea. Here's what to consider.
Mature man looking at his laptop with concern on his face.
Jan. 15, 2023 | By David Chang, ChFC®, CLU®

How Much Life Insurance Does a 50-Year-Old Need?

The amount of life insurance a 50-year-old should have varies based on their individual needs and circumstances. Read on to learn how to determine coverage.
One woman packing clothes into shipping boxes while the other checks her laptop at a table in a clothing store storeroom.
Jan. 14, 2023 | By David Chang, ChFC®, CLU®

Have a Small Business With a Partner? Key-Life Insurance Needs to Be a Top Priority

It's important for entrepreneurs and small business owners to think about the future. Here's why you should consider life insurance.
Nurse helping elderly man from bed in nursing home.
Jan. 14, 2023 | By David Chang, ChFC®, CLU®

4 Little-Known Things Life Insurance Will Cover

Life insurance policies can cover funeral costs, medical bills, and other expenses related to an unexpected death. Keep reading to see what else they cover.
Two parents with their young children having lunch at a picnic table on their back deck.
Jan. 14, 2023 | By Ashley Maready

Bought a New Life Insurance Policy? Make Sure Your Beneficiaries Have This Information

January is a great time to review your life insurance coverage. Keep reading to learn what your loved ones will need to claim their payout.
An older couple uses a laptop, calculator, and papers to budget while sitting on the living room sofa
Jan. 7, 2023 | By Dana George

2 Times Cashing Out a Whole Life Policy Makes Sense

Most whole life insurance provides both a death benefit and cash value. If either of these two situations apply, though, it may make sense to cash out.
Mature man working on something at his desk in thought.
Dec. 19, 2022 | By Ashley Maready

Do You Really Need Life Insurance in These 2 Scenarios? Here's How to Tell

Everyone needs life insurance, right? Read on for a few instances where you may not need it -- but could want it anyway.
A person working on a laptop at a dining room table with a baby on their lap.
Dec. 15, 2022 | By Kailey Hagen

3 Reasons You Might Need More Life Insurance in 2023

Life insurance is an invaluable financial protection for loved ones left behind after a tragedy. Here are a few signs that it's time to buy more.
A mature couple goes over financial paperwork at home.
Dec. 13, 2022 | By Dana George

4 Reasons to Review Your Life Insurance Policy Before 2023

Life insurance is intended to financially protect anyone you might leave behind. Read on to learn four reasons to check up on your coverage before the end of the year.
An older couple meeting with their realtor in their living room.
Dec. 12, 2022 | By David Chang, ChFC®, CLU®

5 Ways to Get Discounted Life Insurance

There are a number of ways to get discounted life insurance. Read on to find out how you can get the coverage you need at a price you can afford.
A person sitting on their couch under a blanket and reading a book.
Nov. 11, 2022 | By Ashley Maready

I Canceled My Life Insurance Policy. Here's Why

While life insurance can be a great financial tool, it may not always be needed. Read on to learn why one writer canceled her policy.
An older couple uses a laptop, calculator, and papers to budget while sitting on the living room sofa
Nov. 4, 2022 | By Kailey Hagen

Should You Purchase a Life Insurance Policy in 2023?

Life insurance provides financial support to loved ones if the policyholder passes away. Here's how to know if it's time to buy a policy in 2023.
A couple fills out financial paperwork as they smile while leaning against a kitchen island.
Oct. 31, 2022 | By Cole Tretheway

Can I Cash Out My Life Insurance Policy?

You may be able to cash out your life insurance policy tax free, but not in every case. Find out more.
Young family smiles while looking through mail.
Oct. 24, 2022 | By Cole Tretheway

6 Little-Known Perks of Life Insurance

Life insurance can be just as rewarding in life as in death. Read on for some interesting benefits of life insurance.
Mature woman working from laptop with documents in hand.
Sept. 15, 2022 | By Dana George

6 Reasons to Consider Examination-Free Life Insurance

Exam-free life insurance premiums are more expensive than traditional coverage. Keep reading to learn why it's the best bet for some people anyway.
An insurance broker and an older couple discuss finances while standing in a kitchen holding folders.
Sept. 14, 2022 | By Dana George

Can Someone Buy a Life Insurance Policy in My Name Without Permission?

Life insurance provides beneficiaries with cash in the event of a policyholder's death. Here, we lay out whether someone can insure your life without your knowledge.
A couple pays bills on the phone and with cash at home.
Aug. 28, 2022 | By Kimberly Rotter, AFC®

Can Life Insurance Be Used to Pay Off Debt?

Many life insurance policies come with a loan or early withdrawal feature. Find out how to access your life insurance proceeds while you're still living.
A family standing around a gravestone while one woman lays down flowers.
July 29, 2022 | By Dana George

You Die Without a Will. What Happens Next?

Everyone dies, but only 33% of Americans die with a valid will. Keep reading to learn what happens to the assets of the other 67%.
A mom and dad smiling and each holding their toddler and baby while eating breakfast at a sunny table.
June 3, 2022 | By Dana George

These 5 Life Insurance Mistakes Could Cost Your Family Thousands

Missteps with life insurance can cost you now or cost your beneficiaries after you're gone. Keep reading to learn how to avoid these five mistakes.
A stressed person looking through papers and sitting in front of a laptop at a kitchen counter.
May 9, 2022 | By Charlie Pastor, CFP®

Thinking About Ditching Your Life Insurance Policy? Answer These 3 Questions First

More than half of Americans are covered by a life insurance policy. But do you really need one? Here are three questions to consider.
A mom working in the backyard garden with a toddler while the dad walks out of the house holding a baby.
April 21, 2022 | By David Chang, ChFC®, CLU®

Life Insurance Industry Predictions for 2022

Interest in life insurance is on the rise due to the pandemic. More insurers investing in technology and improving the underwriting process are trends to watch out for.
A happy family of four walking along a trail in the woods.
March 23, 2022 | By David Chang, ChFC®, CLU®

4 of the Most Important Factors When Shopping for Life Insurance

Life insurance is a valuable way to protect your family. Here are four important factors to consider when shopping for life insurance.
A man on a phone call while sitting in front of his laptop.
March 14, 2022 | By Dana George

Americans Are Picking Life Insurance for the Wrong Reason, Survey Shows

Americans are choosing life insurance companies for one reason. Keep reading to learn what they're doing wrong.
A financial advisor and her female client sitting together on a couch and looking at a laptop.
Feb. 27, 2022 | By Dana George

5 Ways Long-Term Care Insurance Can Protect Your Assets

If you ever need long-term care, you may find it quickly depletes your bank accounts and estate. Here, we cover the ways long-term care insurance can preserve your assets.