Life Insurance

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Decreasing Term Life Insurance

Many consumers see life insurance as a specific product. At most, they may be aware that there are two basic types: term life insurance and whole life insurance. But the reality is that there are many different types of life insurance. So many, in fact, that it’s possible to customize a life insurance policy to…

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Annual Renewable Term Life Insurance

You probably know the basic difference between whole life insurance and term life insurance. Whole life insurance is permanent coverage, with a fixed premium, and a cash value accumulation feature. Term life insurance is temporary coverage, generally lasting for between five and 30 years. It has no cash value accumulation, which is why it costs…

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What is a Waiver of Premium Rider?

If you’ve ever been concerned about how you’ll pay your life insurance premiums if you become disabled, relax – there is a workaround. It’s referred to as the waiver of premium rider, and it’s designed specifically to cover your life insurance premiums should you become disabled. It can be particularly valuable if you work in…

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Life Insurance for Commercial Fishermen

If you’re a commercial fisherman, you probably already know that it’s one of the most dangerous occupations there is. In fact, according to a government source, it’s the second most dangerous general occupational category in America. That can create some complications when it comes to life insurance for commercial fishermen. Coverage is available, but you…

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What is a Child Term Rider?

Have you been contemplating buying life insurance for your children? If so, there’s some good news on that front. Though you always have the option, you don’t necessarily need to purchase a separate policy for each child. The valuable and cost-saving alternative is to simply add a child term rider to your own life insurance…

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What is a Family Income Benefit Rider?

Are you ever concerned about how your beneficiaries will handle the proceeds of your life insurance policy? If so, a family income benefit rider may give you a surprising amount of flexibility and control over how—and when—the policy benefits will be distributed to your loved ones. In fact, a family income rider may go a…

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Life Insurance After a Heart Attack

Heart disease is the leading cause of death in the United States and is a common health condition throughout the population. The most classic heart disease outcome is a heart attack. Is it possible to get life insurance after a heart attack? The surprising answer is “yes,” at least in most cases. The major variable,…

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Life Insurance with Heart Disease

Many millions of Americans suffer with heart disease in one form or another. Heart disease isn’t a single condition either, but one that comes in virtually dozens of different types. If you believe you can’t get life insurance with heart disease, however, you’re almost certainly mistaken. Since so many people have heart disease, the life…

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Life Insurance with a Pacemaker

More than 1.1 million Americans live with a pacemaker. That number is large enough that the life insurance industry has moved to accommodate the hundreds of thousands of people who have pacemakers and need coverage. If you have a pacemaker, the important takeaway is that you will not automatically be declined for a life insurance…

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Best No Exam Life Insurance

So you’re looking into no exam life insurance and want to know the best companies? Well, you’re not alone. Most people would skip the life insurance medical exam if given the chance. But, here’s the catch: Even if you’re healthy, No Exam Life Insurance can cost you 30% to 50% more than a policy that…

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