When you apply for life insurance, you will likely be asked to take a medical exam. The insurer will use the results of this routine checkup to help determine whether to sell you a policy and what your premium will be. Here, we explain what to expect and how to prepare for the exam.

October is National Breast Cancer Awareness Month. While the pink ribbon is a reminder of the importance of early detection and treatment, it also highlights how sudden health changes can affect every aspect of family members’ lives.

As life changes, so do your financial needs, and life insurance should match your current situation. While many people buy a policy and forget about it, your coverage should evolve with each major life event. From tying the knot to expanding your family or launching a business, staying protected means regularly reviewing your policy and making adjustments if needed.

As the back-to-school season begins, most families are focused on supplies, arranging carpools, and returning to the school day rhythms of daily life. Behind the flurry of paperwork and school lunches lies a bigger question: Are you protecting your family’s financial future?

When most people think of life insurance, they picture a safety net for loved ones after they’re gone. Life insurance can do much more than that and can serve as a powerful financial asset in your retirement years.

Life insurance is a cornerstone of a sound financial plan. It helps protect the people you care about by providing financial support in the event of an unexpected occurrence. Beyond that, some policies offer additional benefits you can use during your lifetime.

Like most answers regarding insurance, the solid answer when Selecting a beneficiary for your life insurance policy is a decision that demands careful consideration. As your choice determines who will receive the funds when you pass away, it is a critical factor in financial planning. The following information can help you make an informed decision.

Although many people view life insurance primarily as a way to replace income for dependents, it can also play a major role in estate planning. Strategic use of life insurance policies can provide lasting financial security, reduce estate taxes, and facilitate wealth transfer with minimal tax burdens. 

Life insurance is a critical safety net for your loved ones, designed to provide financial support should you suddenly pass away. But how do life insurance payouts work? Understanding the process can help you feel confident that your family is protected.

Term life insurance provides coverage for a specific period, typically 10, 20, or 30 years, ensuring financial support for your loved ones should you suddenly pass away or become incapacitated. But what if you outlive your term policy? Understanding your options can help you plan for the future and ensure continued financial security for your loved ones.

When you purchase life insurance, you agree to pay monthly premiums and hope the death benefit is enough to protect your family should something unexpected happen. If you have ever felt that your premium is higher than expected, you are not alone.

Most people think of life insurance as a safety net for their loved ones after they have gone. In fact, it can help during the policyholder’s lifetime.

Life insurance provides invaluable protection for your loved ones, but what happens when your term life insurance policy reaches the end of its coverage period? If you’re approaching expiration, you still have options to maintain financial security for your family. Understanding these choices can help you make the best decision for your circumstances.

There’s a lot to think about when your family is growing. Whether you’ve recently welcomed a child through birth, adoption, or marriage, the future may feel full of unknowns. You do everything you can to keep your child safe—installing car seats, covering electrical outlets, and using baby gates—but have you considered how life insurance could be another way to protect them?

According to a recent study, not only is there a gender wage gap, but also a gender gap in life insurance coverage. Significantly fewer women than men have life insurance policies. Life insurance is a critical tool for financial planning and protecting your loved ones. Women are a vital part of the economy and are crucial to their families’ economic security.

Marriage is about building a life together. Life insurance is a safety net that helps protect what you are creating. Although it may not be the first thing on your mind after the honeymoon, creating a strong financial plan should be high on your to-do list. Your financial strategy should include planning for risk and buying life insurance. 

Like most answers regarding insurance, the solid answer when deciding whether to switch between term and whole life insurance is, “It depends.” There are many reasons to switch from term to whole life insurance, but the decision must reflect your situation. 

If you are uncertain if you have enough life insurance, it is time to review your existing policy or, for some people, put a new policy in place. Life insurance is dynamic and needs to change with time. As you hit significant milestones, your insurance must match the changes. Here are some signs that you are underinsured. 

There is no one-size-fits-all answer to the question, “When should I buy life insurance?” Let’s look at a few valuable guidelines to help you decide. Generally, buying a life insurance policy when you are young and healthy is recommended. There are multiple factors to consider in any case. 

Life insurance can be a surprising benefit for small business owners. Whether you run an enterprise with many employees or are a one-person show, much is at stake.