If you outlive your term life policy, you won’t get a payout — but that’s not a bad thing. Learn your options, from converting to permanent coverage to doing nothing at all, and how to decide what’s ...

Life insurance can do more than just provide for your heirs — here’s how to maximize your policy while you’re still here.

The tax-free nature of life insurance death benefit is a primary feature that adds value and peace of mind to this type of financial asset. An insurance premium is the cost of an insurance policy ...

Permanent life insurance policies—like universal ... opens up all kinds of options,” says Jonathan Howard, a certified financial planner with SeaCure Advisors in Lexington, Ky.

Ashlee is an insurance editor, journalist and business professional with an MBA and more than 17 years of hands-on experience in both business and personal finance. She is passionate about ...

Premium financing While much thought goes into choosing the right life insurance product, many families fail to consider alternative options to pay for their policies, often opting to pay premiums ...

Americans own more than 160 million individual life insurance and annuity policies. A big ... In some cases, a key component of families’ financial planning suddenly is in the hands of newcomers ...

So, if you don't have dependents or debt cosigners, you may not need life insurance. Even if you have no dependents and minimal financial obligations, having a policy could still be a good idea.

Ashlee is an insurance ... the right policy than finding the lowest premium. There are eight types of life insurance, and the variations among them can mean the difference between financial ...

There are two broad types of life insurance: term and permanent. Term insurance will typically be best for most consumers, according to financial advisors. These policies last for a designated ...

Life insurance is probably the least sexy area of financial planning. But for the richest of the rich, policies can slash tens of millions of dollars off their tax bills. Private-placement life ...

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