Life Insurance agents often times recommend to go for a policy that includes a doctor's visit prior. The no-exam policies are much pricier, and unless you have major health issues or a serious diagnosis, it is a good idea to get a medical check up. Whether you are younger or older, doing so can still…

For millennials, buying life insurance is a very smart call. Buying now will be also cost effective because when you are young and healthy it costs less. Also, if the unexpected happens. your family will have help to pay for  student loan debt or a mortgage in your absence. Another thing to consider is a  long-term…

When you are the one choosing a life insurance policy you can make all the decisions, unlike when you get insured by your employer. If you go to the agent who worked with you on your homeowners insurance or auto insurance, you will also usially get a great offer. If you already have a company…

Financial planning for any family is complicated, but the challenges rise to a new level when a child has special needs. "Parents are not only planning for their family's needs and retirement, but for well beyond their lifetimes," says Linda Hunter Suzman, a Special Care Planner with MassMutual Financial Group in Seattle. The process, including buying life…

If you're looking for life insurance, aside from considering how much you need, you'll find the need to understand and possibly choose between the two basic types: term life insurance and cash value life insurance. The main difference between the two is that term life insurance covers you relatively inexpensively for a set period, whereas cash…

It is not a simple question to ask customers when they think they will die. Life insurance companies must take it upon themselves to determine when a potential customer will perish before they will invest. Companies compile large amounts of data in order to separate the healthy from the risky. This includes things like driving records,…