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 …

Term life insurance is always considered “short term,” even if you have the policy for many years. This is because there is an ultimate expiration date on the policy, unlike whole life policies which are in force until you die. However, within this “short term” framework, there are wide varieties …

When you are buying life insurance, several factors will determine your ultimate cost and how much coverage you can get. The most important factors life insurance companies consider when issuing a policy are your age, your smoking habits, your overall health, and your weight. You may be able to quit …