Ladder Life Insurance Review

If you’re looking for life insurance coverage, read our Ladder Life Insurance review to see how they compare to other life insurance companies.

Bestow Life Insurance Review

Are you searching for life insurance coverage? Read our Bestow Life Insurance review to see how they compare to other life insurers.

Haven Life Insurance Review

Need life insurance coverage? Read our Haven Life Insurance review to see whether they’re the right choice for you in 2022.

Life Insurance With Living Benefits - Ultimate Guide for 2022

Interested in learning about life insurance with living benefits? Read our guide to understand what they are and how they work in 2022.

Life Insurance Free Look Period Explained

Learn about free look periods and how to use them when you buy life insurance.

A Guaranteed Insurability Rider - What Is It And Should I Get One?

Learn about what a guaranteed insurability rider is and how you can use it to get additional coverage later in life.

Payor Benefit Rider - Everything You Need To Know

Find out more about what a payor benefit rider is and whether it's right for you.

Life Insurance With A Long-Term Care Rider: What You Should Know

Learn about long-term care riders with our guide to life insurance coverage.

How Many Life Insurance Policies Can You Have?

Learn how many life insurance policies you can take out and how to do it with our guide. 

Is Selling Your Life Insurance Policy A Good Idea?

Find out if you can sell your life insurance and whether it’s the right choice.

A Guide to Life Insurance Agents: What They are and How to Choose One

This article will tell you everything you need to know about life insurance agents.

How Long Does It Take to Get Life Insurance Money?

Read to find out how long it takes to get life insurance money, how life insurance payouts work, and how you should go about it

What Is Key Person Life Insurance?

A PolicyScout breakdown of key person life insurance coverage.

What Is A Collateral Assignment Of Life Insurance?

Learn more about life insurance and collateral assignments with our article.

A Guide to Life Insurance for Disabled Individuals

Learn about the different life insurance options available to people with disabilities.

Guide to Cash Value Life Insurance

Learn about the benefits and drawbacks of cash value life insurance.

What Is Term Life Insurance?

Learn about the different types of term life insurance available and how you can get the best coverage.

Term vs. Permanent Life Insurance

Find out the differences between these types of insurance with our guide to term and permanent life insurance.

Have You Improved Your Health? Here is How to Get a Better Life Insurance Rate

If you've kicked bad habits and gotten healthier since you first purchased your life insurance policy, is it possible to lower your premiums? Yes, you have the ability to retake the medical exam to see if you qualify for a lower rate.

What Is Final Expense Life Insurance?

Learn what final expense insurance is, who qualifies, and how to use it.

What Is Permanent Life Insurance? (And Should You Use It?)

Learn about permanent life insurance and find out if it's right for you with our guide.

Life Insurance for Children

Find out how children’s life insurance coverage can help secure your kids’ future.

Life Insurance for Diabetics

Read our guide to learn about life insurance options for people that have diabetes.

Life Insurance For Parents 

Learn about life insurance policies for parents, why it’s important, and how to choose the right coverage.

Final Expense Insurance For Seniors

Read our guide to learn about final expense coverage for seniors and find out if it’s right for you.

What Is Group Life Insurance?

Read our guide to find out what group life insurance is and whether you should get it.

Can You Get Life Insurance If You Have Cancer?

Find out about your life insurance coverage options if you have been diagnosed with cancer.

How Much Life Insurance Do I Really Need?

Find out how much life insurance you need and see which plans will cover your financial responsibilities.

Transferring A Life Insurance Policy To Someone Else

Life insurance provides peace of mind to yourself and those you care about, but there are different ways to own life insurance. Fortunately, you can transfer a life insurance policy to someone else if your circumstances or needs change

Single Parent? This Is How Much Life Insurance You Need

The best way to prepare for the worst is by investing in affordable life insurance that can cover your family’s needs for years down the line. Figuring out the type of policy you need, the amount of coverage that will sustain your family, and other details is easier than you may think. 

How Trusts Work

Chances are that you’ve heard the term “trust” before. Often, trusts are thought to be an inheritance passed from wealthy individuals to their families. While they might be commonly associated with the rich, trusts can be created by anyone.

Decreasing Term Life Insurance

Is decreasing term life insurance the right policy option for you and your family? That depends on how you plan to protect your family after your death. Learn more about your options so you can make an informed choice about the type of life insurance you want to buy.

Does Life Insurance Cover Drug Overdose?

Life insurance policies often cover deaths caused by a drug overdose, however, there are some important factors depending on the type of policy and exclusions.

PolicyScout’s Guide to Burial Insurance: What Is It?

Learning about Burial Insurance and if It's the Right Choice for You

Can Nursing Homes Take Your Life Insurance From Your Beneficiary?

Life insurance is one way that people can choose to help their family members cover end-of-life expenses, but you may be wondering, can a nursing home take your life insurance policy payout from your beneficiary if you have outstanding costs?

What Are the Reasons Life Insurance Won't Pay Out?

Find Out the Reasons Why a Life Insurance Policy Won't Pay Out.

Are Life Insurance Premiums Tax Deductible?

A PolicyScout Breakdown on the Tax Implications of Life Insurance Premiums.

How Do Life Insurance Companies Make Money?

Learn how life insurance companies earn money with our guide.

PolicyScout's Guide to Life Insurance for Veterans

Find Out Which Life Insurance Plans Are Available to Veterans and How You Can Apply.

Learn More about Supplemental Life Insurance 

An overview of supplemental life insurance and adding an extra layer of coverage to an existing policy.

AD&D vs Life Insurance

Accidental death and dismemberment insurance is a type of insurance similar to life insurance. It will pay out if you experience a serious accident that results in permanent injury, such as losing a limb, or death. It's a good idea to understand how these two types of insurance overlap and which might be best for you.

What is Key Person Insurance?

What happens to your business if a key employee dies or becomes permanently disabled? Key person insurance is a type of life insurance policy taken out on an essential individual in your business and is one way you can limit the damage and risk from this tragic situation.

What Is Modified Whole Life Coverage?

Learn about modified whole life insurance and how it can help cover you.

What Is The Cash Surrender Value Of Life Insurance?

A PolicyScout breakdown of cash surrender value and what it is.

What Is Voluntary Life Insurance?

Find out everything you need to know about voluntary life insurance.

Does Life Insurance Pay for Suicidal Death?

Learn about how life insurance companies deal with death by suicide.

Life Insurance Blood Test: What Are They Looking For?

If you’ve applied for a life insurance policy, chances are you will need to take a medical exam to confirm your current state of health. Part of this exam includes a blood test, but what does the blood test used for? We have your guide to the life insurance blood test.

What Types of Life Insurance Are There?

Learn about all the different kinds of life insurance and determine which one is right for you.

Life Insurance with Living Benefits

Some insurance policies allow you to accelerate the death benefit or access your cash value during your lifetime through an option called living benefit riders.

What Is Return Of Premium Term Life Insurance?

Everything you need to know about return of premium life insurance and whether it is right for you.

What Is Renewable Term Life Insurance?

Everything you need to know about renewable life insurance policies and whether they’re the right option for you.

What Is Level Term Life Insurance?

Everything you need to know about level term life insurance and how it can benefit you.

What Is First-To-Die Life Insurance?

Learn about first-to-die life insurance, what it covers, and how it compares to other insurance.

Term Life Insurance For Diabetes

Everything you need to know about term life insurance for diabetes and how the condition may affect your coverage.

Short Term Life Insurance for 2022

Buying life insurance gives your loved ones a financial safety net. In some cases, though, people experience coverage gaps. Short term insurance helps fill in the gaps so you don’t leave your family unprotected.

Life Insurance For Couples Who Choose To Never Get Married

Long-term relationships increasingly occur outside of marriage. With cohabitation, however, comes many practical concerns that would otherwise be addressed through marriage, like life insurance for couples who choose to never get married.

Everything You Need To Know About Convertible Term Life Insurance

Learn about the benefits of convertible term life insurance with our guide.

Can I Buy Life Insurance for a Sibling?

You can purchase life insurance to protect against an expected or unexpected family death, including a sibling. There are certain requirements that must be met in order to purchase a life insurance policy for a sibling, such as insurable interest.

Variable Universal Life Insurance: What Is It and Who Should Get It?

Everything you need to know about variable universal life insurance, what it is, how it works, and what risks it may have.

What Is Mortgage Life Insurance?

Find out about mortgage life insurance, its pros and cons, and how it compares to other insurance policies.

Term Life Insurance For Children

Everything you need to know about term life insurance for children and whether it is a worthwhile investment.

What Is Direct Term Life Insurance?

Everything you need to know about direct term life insurance and how it can benefit you.

What Is Voluntary Term Life Insurance?

Learn about voluntary term life insurance and whether it's the best coverage option for you.

How Does The Extended Term Insurance Option Work?

Everything you need to know about extended term life insurance and if it is the right option for you.

Can You Borrow Against Life Insurance?

Everything you need to know about life insurance policy loans and if they are the right option for you.

How To Cancel Your Life Insurance Policy

Everything you need to know about canceling life insurance and if it is the right decision for you.

What Happens When Term Life Insurance Expires

Everything you need to know about term life insurance and what to do when it expires.

What Is The Longest Term Life Insurance Policy You Can Buy?

Everything you need to know about the longest term life insurance policies and if they are the right option for you.

What Is Credit Term Life Insurance?

Everything you need to know about credit term life insurance and how it can benefit you.

What Is Increasing Term Life Insurance?

Everything you need to know about increasing term life insurance and whether it is the right option for you.

What Is Flexible Premium Adjustable Life Insurance?

Everything you need to know about flexible premium adjustable life insurance and if it is the right option for you.

What Happens If You Outlive Your Term Life Policy

Term life insurance is a popular life insurance product for its affordability and flexibility. However, since it is only in effect for a specific amount of time, you may want to know what happens if you outlive your term life insurance policy.

Graded Premium Whole Life Insurance

If you have a progressive illness, are incapacitated, or are in a nursing home, a graded premium whole life insurance plan is close to no-risk for you. Your heirs will either get back the premiums you paid with interest or they’ll get a death benefit that’s more than you paid. 

How to Get the Best Investment Value from Whole Life Insurance

Life insurance mitigates risk, but you may be surprised to learn that it can also be a form of investment. How do you get the best investment value from a whole life policy? When you pay into a whole life insurance policy, you may be able to access some of the cash while you are still alive. Here's what you need to know to decide if and how to use whole life insurance as an investment.

Top 10 Reasons Why Millennials Need Life Insurance

Life insurance is worthwhile, even if you're a young millennial. Here are ten reasons it's crucial to get life insurance.

Shopping Around for Life Insurance: Brokers, Agents or Company Direct

There are different ways to shop for a life insurance policy: through a broker, an agent, or directly from the insurance company. Uunderstand the differences so you can use the best method for you to get the right policy.

Blackout Period for Life Insurance Explained

Understanding what a Life Insurance Blackout Period is, and how it works can help save. Here's PolicyScout's guide to the Life Insurance Blackout Period.

Life Insurance Coverage After A Divorce

Learn about the benefits of obtaining life insurance after a divorce, and how to make sure your assets will be properly managed and passed to your beneficiaries

What Happens if Life Insurance Lapses?

Staying on top of life insurance premiums and making payments on time is important to keep your policy from lapsing. But what happens life your life insurance lapses? There are some cases where a policy can be reinstated and it's good to know the details of your policy in the event a lapse does occur.

How Many Life Insurance Policies Can You Have?

Is it a good idea, or even legal, to own more than one life insurance policy? The answer to both questions is yes—no law limits how many life insurance policies you can own. And it can be smart financial planning to have multiple life insurance policies.

Then and Now: The Cost and Coverage of Life Insurance 1999 vs 2019

How has life insurance changed in 20 years? PolicyScout gets the facts on the changes in life insurance since 1999.

10 Health Conditions That May Affect Your Life Insurance Premiums

Depending on your individual health profile and your specific life insurance policy, certain underlying health conditions may affect your premium. If you have any of the following health problems or concerns, discuss your options with your physician and financial adviser to determine how it may affect your policy and premiums.

Firefighters Life Insurance: What Rates To Expect?

Being a firefighter comes with increased risks therefore, people in this profession especially need life insurance. If you're a firefighter, what life insurance rates should you expect? Various factors go into determining your life insurance rate, so it's important to know your options.

Do Life Insurance Companies Test for Drugs?

Life insurance companies need to make sure that they screen applicants so they can measure how risky each person is. Increased risk usually means that companies will charge higher premiums for life insurance policies. A positive drug test, however, could mean that the insurance company denies your application.

Family History And Life Insurance Rates

Most of us arrive at that point in our lives when we have people depending on us. When, if we suddenly left the picture, their needs might not be taken care of. That’s why it’s always a good idea to seek out and obtain life insurance.

How To Find Life Insurance If You Are Unhealthy

The good news and the reality is that not only is finding life insurance if you are unhealthy very possible, it also isn't overly difficult either.

How to Pick a Term Life Insurance Policy

Term life insurance is a very popular option for those shopping for a life insurance policy. There are many different policy lengths to choose from and different ones meet different needs. Therefore, it's important to know how to pick a term life insurance policy that best suits you.

Is Your Employers Life Insurance Coverage Enough?

Is Final Expense Insurance Worth It?

Life insurance comes in several different forms, but usually the reason for purchasing a policy is to be able to provide for loved ones when you're not able.

What is Life Insurance Portability?

Most people buy a life insurance policy through their employer which makes portability important. Insurance portability is the ability to take your group life insurance coverage with you when you leave a company.

What To Know About Taxes On Life Insurance

Taxes and life insurance policies: confusing stuff, right? It doesn't have to be. Life insurance is a great way to protect your loved ones but it's important to know the tax implications that go along with a life insurance policy. Here is what you need to know.

The Cost Of Skipping Out On Life Insurance

Perhaps you believe you're saving money by not paying life insurance premiums. While that's understandable, you're actually taking a big risk with this approach. And your family members could pay a big penalty for your lack of such a policy. A life insurance policy can be the bedrock of those plans.

Doing the Math on Whole vs Term Life

The difference between whole and term life insurance may seem simple. Either your plan lasts a lifetime or has a specified timeframe - but there are some financial aspects to each that are important to consider when doing the math on whole vs term life insurance.

Life Insurance After a Transient Ischemic Attack

If you have suffered a Transient Ischemic Attack, or TIA, you may wonder if you can still qualify for life insurance and how this might affect the rates you can expect to pay. You may also have questions about why an insurance company would be concerned about your TIA and what sort of specific information they might require from you.

Life Insurance for Dialysis Patients

Kidney disease can be a serious condition that usually results in dialysis treatment. Unfortunately, in can be difficult for dialysis patients to obtain a life insurance policy, so they need to seek alternative options to make sure their loved ones are taken care of financially.

What Is Credit Insurance?

If you have debt, finding yourself in a situation where you’re unable to make payments (or leaving debt behind for your family to figure out) can be scary. Credit insurance can help to alleviate some of that stress. It’s an optional policy you can typically purchase from a lender that can cover some of your debts in the event of your death or you’re unable to work. 

What is Evidence of Insurability?

When applying for a life insurance policy, an insurance provider may ask a number of questions to prove your evidence of insurability. This may include health questions, insurable interest and financial justification.