12 articles
Life insurance guides that demystify term and whole life policies, coverage amounts and how to get the best rates.
life insuranceA straightforward claim on a policy over two years old commonly settles in thirty to sixty days. What causes the delays is entirely predictable, and mostly avoidable.
life insuranceLife insurance is not an investment and it is not for everyone. The test is simple: does anybody depend on your income or your unpaid work? Everything else follows from that.
life insuranceWhole life bundles protection with savings, and the bundling costs money. Where it genuinely earns its place is narrow, specific, and not what it is usually sold for.
life insuranceYou need an insurable interest and you need their consent. Both are absolute, and everything else about insuring a parent follows from those two requirements.
life insuranceA cancer diagnosis narrows the market rather than closing it. What is available during treatment, what opens up after remission, and the products that ask no questions.
life insuranceA contingent beneficiary receives the money if the primary one cannot. Naming one takes two minutes and it is the difference between a three-week payout and a year in probate.
life insuranceAccidental death and dismemberment pays only for accidents, which cause a small minority of deaths. It is a useful supplement and a poor substitute.
life insuranceIUL credits interest linked to an index, with a floor that protects you and a cap that limits you. Understanding the second is what separates the illustration from reality.
life insuranceA life insurance death benefit is normally income-tax free. The situations that change that, from interest on a delayed payout to estate tax and policy loans.
life insuranceThere is no limit on how many life insurance policies you can hold. Why laddering beats one big policy, and who you are legally allowed to insure.
life insuranceWhole life costs roughly twelve times term for the same benefit. Worked examples of where the money goes, when permanent cover genuinely fits, and how to decide.
life insuranceFeaturedHow to size a life insurance policy with the DIME method, who actually needs cover, worked examples of what delay costs, and how to buy without overpaying.