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Articles in Life Insurance

Life Insurance provides the policy holder with the reassurance that their death would not cause their loves ones financial hardship. This will help you navigate the complexities of life insurance to determine which type of life insurance policy would best suit your needs.
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Protect Three Key Goals With Life Insurance

by Richard Andrew Solt Level 12
Many people remain unaware of the many ways in which life insurance can help families meet their key financial goals. Here are three of the biggest of these objectives, as seen through the eyes of a hypothetical couple, ...(more)
Comment   |  Nov 29, 2017
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How to Unlock the Potential in Your Life Insurance Policy

by Peter Carl Hafner Level 12
I decided to sell my motorcycle the other day. There wasn’t anything wrong with it. It was a beautiful bike and it was in really good shape. It had low miles and ran well. The reason I sold it was because it didn’t ...(more)
Comment   |  Jun 01, 2017 from Buffalo, NY
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Do I Really Need Life Insurance?

by Peter Carl Hafner Level 12
There are some things in life that I would never go without. Some things are so important that whenever they run low, I make sure they are replaced. Coffee is one. Gasoline in my car is another. Could you imagine ...(more)
Comment   |  May 11, 2017 from Buffalo, NY
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Life insurance at various life stages

by Jose Manuel Soto Level 17
Your need for life insurance changes as your life changes. When you're young, you typically have less need for life insurance, but that changes as you take on more responsibility and your family grows. Then, as your ...(more)
Comment   |  Dec 05, 2016
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How might you replace lost income as a survivor?

by Larry R Frank Sr Level 20
Most people don’t realize (or do, but don’t plan for it) that, as a couple, there is lost income from Social Security automatically built in. I discussed examples in a post titled “Social Security and Survivor ...(more)
Comment   |  Nov 15, 2016 from Roseville, CA
2 votes

Life Insurance Awareness Month

by Clint Haynes Level 20
While I'm sure most of you are not aware of this, but September is officially Life Insurance Awareness Month. It may not seem like a big deal at the time, but life insurance can have a tremendous impact on the lives of ...(more)
Comment   |  Aug 26, 2015 from Lee's Summit, MO
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Insurance (any) is NOT an investment!

by Larry R Frank Sr Level 20
Insurance is paying – a certain small loss – a premium in exchange for recovery of a large potential loss. Most people try to calculate how they can turn insurance into an investment. Unfortunately, the insurance ...(more)
Comment   |  Mar 17, 2015 from Roseville, CA
1 vote

Lessons on life insurance

by Randy Neumann, CFP® Level 18
       Do you need life insurance?  Maybe you do and maybe you don't.  You may need life insurance if you have dependents who would find it difficult to get by without your income.  Or, you may want to leave a legacy to ...(more)
Comment   |  Aug 06, 2014 from Paramus, NJ
2 votes

Life Insurance Beneficiary Mistakes

by Andrew M. Brown, CFP® Level 15
  I’ve reviewed over two dozen life insurance policies this year.  Aside from the big problems I currently see in cash value policies, beneficiary designation is important because a mistake can be costly.  Perhaps ...(more)
Comment   |  Feb 12, 2014 from Conyers, GA
2 votes

Case Study: Is $1,000,000 Enough Life Insurance?

by Joseph F. DeNoyior Level 17
One of the most common questions I’m asked is, “How much life insurance do I/we need?” My most common answer to that question is, “More than you think.” Let’s take a look at a real life scenario that I recently worked ...(more)
Comment   |  Jun 07, 2013 from McLean, VA
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How Instagram’s New TOS is Like an Indexed Universal Life Insurance Policy

by Jason Hull Level 20
“Don’t trust the person who has broken faith once.”–William Shakespeare On December 17, 2012, Instagram decided to update its Terms of Service (TOS) and hope that nobody noticed the change. For those of you who are not ...(more)
Comment   |  Feb 25, 2013 from Fort Worth, TX
2 votes

Should You Buy Life Insurance on Children?

by Thomas Jensen Level 16
Nobody likes to contemplate the death of a child. We’d all like to assume that our children will outlive us. Nevertheless, it does happen, from time to time.   Over the years, I’ve found that some families are more ...(more)
Comment   |  May 24, 2012 from Portland, OR
6 votes

Term Life Insurance: Are You Throwing Away Money?

by Melissa Levin, CFP®, CFS Level 17
I am a CERTIFIED FINANCIAL PLANNER™ Practitioner, who specializes in family protection, and I love what I do. The reason why I love what I do is because I can help families protect their most valuable asset—their loved ...(more)
Comment   |  May 14, 2012 from Cowan Heights, CA
3 votes

A Guide To Life Insurance

by Evan M. Levine, ChFC Level 20
The origins of the concept of life insurance, as we know it, can be traced to ancient Rome. Caius Marius, a Roman military leader, creates a burial club among his troops in approximately 100 B.C,  so that in the event ...(more)
Comment   |  Mar 09, 2012 from Port Washington, NY
4 votes

A New Look at Life Insurance

by Robert Leeper Level 10
The potential for attractive returns can make life insurance a powerful (even surprising) way to protect your legacy and strengthen your portfolio.   Life insurance has a bit of an image problem. Many people put off ...(more)
Comment   |  Jan 04, 2012 from Westfield, NJ
1 vote

Best Uses of Permanent Life Insurance

by Robert D. Higgins, CFP®, MBA, CLU, Ch... Level 14
Cash value life insurance has a lot of moving parts, and consequently is a very flexible (and complicated) vehicle that can be used for many different purposes. However, just because it is a tool that can be configured ...(more)
Comment   |  Jan 04, 2012 from Charlotte, NC
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