Read our 2022 review on the pros and cons of John Hancock Life Insurance, the policies it offers, and its reputation in the market. You can choose the right life insurance policy when you have the facts.
Read our review on State Farm Life Insurance and find out how it compares with other life insurance companies. Being well informed helps you make the right decisions when choosing life insurance.
Are you wondering whether Pacific Life insurance is right for you? Read our Pacific Life review to find out how they compare to other life insurers.
If you’re looking for life insurance coverage, read our Ladder Life Insurance review to see how they compare to other life insurance companies.
Are you searching for life insurance coverage? Read our Bestow Life Insurance review to see how they compare to other life insurers.
Need life insurance coverage? Read our Haven Life Insurance review to see whether they’re the right choice for you in 2022.
Interested in learning about life insurance with living benefits? Read our guide to understand what they are and how they work in 2022.
Learn about free look periods and how to use them when you buy life insurance.
Learn about what a guaranteed insurability rider is and how you can use it to get additional coverage later in life.
Find out more about what a payor benefit rider is and whether it's right for you.
Learn about long-term care riders with our guide to life insurance coverage.
Learn how many life insurance policies you can take out and how to do it with our guide.
Find out if you can sell your life insurance and whether it’s the right choice.
This article will tell you everything you need to know about life insurance agents.
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
A PolicyScout breakdown of key person life insurance coverage.
Learn more about life insurance and collateral assignments with our article.
Learn about the different life insurance options available to people with disabilities.
Learn about the benefits and drawbacks of cash value life insurance.
Learn about the different types of term life insurance available and how you can get the best coverage.
Find out the differences between these types of insurance with our guide to term and permanent life insurance.
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.
Learn what final expense insurance is, who qualifies, and how to use it.
Learn about permanent life insurance and find out if it's right for you with our guide.
Find out how children’s life insurance coverage can help secure your kids’ future.
Read our guide to learn about life insurance options for people that have diabetes.
Learn about life insurance policies for parents, why it’s important, and how to choose the right coverage.
Read our guide to learn about final expense coverage for seniors and find out if it’s right for you.
Read our guide to find out what group life insurance is and whether you should get it.
Find out about your life insurance coverage options if you have been diagnosed with cancer.
Find out how much life insurance you need and see which plans will cover your financial responsibilities.
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
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.
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.
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.
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.
Learning about Burial Insurance and if It's the Right Choice for You
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?
Find Out the Reasons Why a Life Insurance Policy Won't Pay Out.
A PolicyScout Breakdown on the Tax Implications of Life Insurance Premiums.
Learn how life insurance companies earn money with our guide.
Find Out Which Life Insurance Plans Are Available to Veterans and How You Can Apply.
An overview of supplemental life insurance and adding an extra layer of coverage to an existing policy.
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 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.
Learn about modified whole life insurance and how it can help cover you.
A PolicyScout breakdown of cash surrender value and what it is.
Find out everything you need to know about voluntary life insurance.
Learn about how life insurance companies deal with death by suicide.
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.
Learn about all the different kinds of life insurance and determine which one is right for you.
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.
Everything you need to know about return of premium life insurance and whether it is right for you.
Everything you need to know about renewable life insurance policies and whether they’re the right option for you.
Everything you need to know about level term life insurance and how it can benefit you.
Learn about first-to-die life insurance, what it covers, and how it compares to other insurance.
Everything you need to know about term life insurance for diabetes and how the condition may affect your coverage.
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.
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.
Learn about the benefits of convertible term life insurance with our guide.
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.
Everything you need to know about variable universal life insurance, what it is, how it works, and what risks it may have.
Find out about mortgage life insurance, its pros and cons, and how it compares to other insurance policies.
Everything you need to know about term life insurance for children and whether it is a worthwhile investment.
Everything you need to know about direct term life insurance and how it can benefit you.
Learn about voluntary term life insurance and whether it's the best coverage option for you.
Everything you need to know about extended term life insurance and if it is the right option for you.
Everything you need to know about life insurance policy loans and if they are the right option for you.
Everything you need to know about canceling life insurance and if it is the right decision for you.
Everything you need to know about term life insurance and what to do when it expires.
Everything you need to know about the longest term life insurance policies and if they are the right option for you.
Everything you need to know about credit term life insurance and how it can benefit you.
Everything you need to know about increasing term life insurance and whether it is the right option for you.
Everything you need to know about flexible premium adjustable life insurance and if it is the right option for you.
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.
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.
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.
Life insurance is worthwhile, even if you're a young millennial. Here are ten reasons it's crucial to get life insurance.
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.
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.
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
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.
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.
How has life insurance changed in 20 years? PolicyScout gets the facts on the changes in life insurance since 1999.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.