Those who are terminally ill and have never purchased life insurance find themselves in a terrible position. On one hand, they are worried about the emotional loss to their family; on the other hand, they feel they may not be able to insure themselves and get the money they need …

There are tons of reasons not to buy whole life policies, especially as an investment. Most financial advisors tell their clients to stay away from whole life and invest their money elsewhere; buy a cheap term policy in the interim as a safety net. However, did you know that there …

Thanks to the Americans with Disabilities Act and other legislation, people with disabilities can lead fuller lives, with fewer exclusions from mainstream society, than ever before. However, one area where people with disabilities continue to find problems in keeping up with other groups is the area of insurance. Fortunately, there …

While many life insurance policies require a physical examination, there are many companies which do not make this requirement, especially for people under a certain age or who are willing to answer some basic health questions. Many companies who offer these types of polices do limit the face amount of …

Thinking about life insurance for the coming year? Many people are. Most of us want to protect our families and provide money if a sudden accident or illness leaves them without an income. The very best way to do that is to buy a term life or whole life insurance …

If you are filing bankruptcy, you may be concerned about your life insurance proceeds and whether they will enter the picture as part of your assets. Depending upon the situation, most life insurance proceeds are immune from bankruptcy proceedings. However, there are some exceptions to this rule. First, it is …

If you own a small business, your life insurance considerations may be very different from those of a non-business owner. Many questions may arise in the course of considering life insurance for yourself: how will my survivors continue to operate my company, or will they be forced to sell? Will …

Marriage has significant effects on your financial situation, and these effects can be quantified in several ways. Many newlyweds are not thinking of life insurance, but this is an important consideration for your marital future. Having enough protection to provide for either spouse due to the unexpected death of the …

The men and women who serve in our armed forces are considered heroes by many for their dedicated and unselfish service to their country. Unfortunately, many life insurance companies are not as charitable when it comes to figuring premiums for service people, especially those engaged in combat in dangerous locations. …

Life insurance companies have always assessed risk when issuing policies. The amount of risk involved for the company determines how much the insured will pay in premiums, and may even determine if the company is willing to issue the policy. While smoking, age, weight, and other factors have long been …