Can You Get Life Insurance While Pregnant?
Pregnancy has a way of making you think about things you’ve been putting off. Life insurance tends to be one of them. The good news is that being pregnant does not disqualify you from getting covered, and in most cases, the process is simpler than you might expect. Here’s what to know before you apply. […]
Is Life Insurance With No Medical Exam More Expensive?
If you’ve been shopping for life insurance, you’ve probably come across “no medical exam” options. The idea is appealing—no copays, no labs, no scheduling. But is life insurance with no medical exam more expensive? The short answer: usually, yes. But there’s an important twist that most people don’t realize. You Can Get Life Insurance That […]
Can You Get Life Insurance for Mortgage Payments?
If you’re a homeowner, your mortgage is probably one of your biggest monthly expenses—and one of the last things you’d want your family to worry about if something happened to you. That’s why many people look for life insurance to help cover their mortgage payments. The good news? You can absolutely use life insurance to […]
Are Life Insurance Agents Paid By Commission?
When shopping for life insurance, most people want honest advice, not a sales pitch. But in many cases, traditional insurance agents are paid through commissions, which can create confusion about whether their guidance is based on your needs or their own paycheck. Understanding how agents get paid can help you make a more confident decision […]
Is Life Insurance for Kids Worth It?
For many parents, especially those who are buying life insurance for themselves, it can make sense financially to consider a life insurance policy for a child. With the right type of policy, it can be a powerful tool to lock in low rates, guarantee future insurability, and even create a financial legacy. But should you […]
Should You Name a Minor as a Life Insurance Beneficiary?
If you’re thinking about purchasing life insurance, it’s likely because you want to make sure those who depend on you are financially protected. So choosing your beneficiary—the person who will receive the death benefit if you pass away—might seem like a no-brainer. If you have children, it would seem natural to name them directly. But […]
Can You Get Life Insurance as a Marijuana User?
Life insurance companies have historically been cautious about insuring marijuana users, but as legalization spreads, underwriting rules are evolving. If you use marijuana—whether recreationally or for medical reasons—you likely still qualify for life insurance. But your rates and eligibility will depend on factors like frequency of use, reason for use, and the insurer’s policies. How […]
2025 guide to IUL life insurance
Indexed Universal Life (IUL) insurance is a type of permanent life insurance that combines a death benefit with a cash value component tied to the performance of a stock market index, like the S&P 500. While it promises both life insurance protection and investment growth, IUL policies can be complicated, expensive, and often underperform compared […]
Can 2 People Be on the Same Life Insurance Policy?
It makes sense why many couples ask this question. Buying coverage once certainly sounds easier than buying it twice. The short answer is yes, two people can be on the same life insurance policy. But does it generally make sense to do so? Not necessarily. Let’s get into it. What is joint life insurance? This […]
Is Life Insurance a Good Idea for Seniors?
As we get older, many of us start thinking more seriously about our financial plans and future security. One common question is whether life insurance is still worth it in our senior years. Should we be considering it now, or is it something that should have been taken care of earlier in life? Let’s break […]
