When To Buy Life Insurance

Life insurance is somewhat opposite of automobile insurance. Rather than having high prices at a young age that reduce as you get older, life insurance begins inexpensive and becomes more costly as you age. The reason being is quite simple:...
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Farm Families: Using Life Insurance in Estate Planning

Farm families can use life insurance to smooth the bumps in a transition from one farming generation to another. Done right, it provides funds not subject to estate taxes. It can help farming heirs buy out at least part of...
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Hybrid Life Insurance Policies Increasingly Popular As Long-Term Care Funding Strategy

While traditional stand-alone long-term care insurance (LTC) products have seen a drop in popularity in the past several years as a result of companies leaving the marketplace and of spiraling policy premiums, life insurance-backed long-term care financing strategies have experienced...
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Why Some People Should Have Two Or More Life Insurance Policies

You need life insurance if your death would hurt anyone financially. For many people, one policy is enough. But for some, two or more make sense. Your needs should drive the number and type of policies you buy. More...
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Extending Your Life Insurance Coverage

Ideally, you buy life insurance when your kids are young or you’ve purchased your first home, and you need the coverage only for about 20 years. By the time your policy nears the end of its term, your kids are...
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Whole vs. Term Life Insurance: Which Do You Need?

Are there people counting on you for income? If you died tomorrow, are there people – like your parents – who would be stuck with the funeral costs? Do you have a plan in place to make sure you don’t...
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Life Insurance Awareness Month – Real Life Stories

Jason and Nicole Sherman had a lot on their plate. As parents of a 2-year-old and with another on the way, this couple—in their early 20s—were also juggling the demands of school, Jason’s sales job and running Nicole’s in-home daycare....
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