Jay A. Cohen 
Multiple life insurance policies can address different responsibilities and time periods. Learn how layering, underwriting, beneficiaries and annual reviews fit together. Read more
What does fully funded IUL really mean? We explain three funding approaches, the relationship between premiums and death benefits, MEC limits, policy expenses, and the risks that make ongoing review essential. Read more
Young adults may have partners, cosigners, family or business obligations worth protecting. Learn how to compare term, permanent and workplace coverage. Read more
What life insurance do you need for a mortgage? Compare level term, decreasing coverage, lender protection, costs, portability, and family control. Read more
Living benefits may help with household expenses, eligible care, or preserving coverage. Jay A. Cohen explains illness riders, cash-value access, costs, and practical next steps. Read more
Learn which life insurance policies may build cash value, how access works, and what loans, withdrawals, charges, and lapse risks can mean for coverage. Read more
Wondering what life insurance might cost? Learn why averages can mislead, what affects your premium, and how to compare coverage and payment terms with confidence. Read more
Changing jobs? Learn what happens to life insurance through work, what to ask about conversion and portability, and how to review your family’s coverage. Read more
The Rule of 110 helps start an investment allocation discussion. Learn how an existing cash-value life policy may add another option for temporary expenses during a bear market—and what the trade-offs are. Read more
Rising everyday costs can strain a retirement plan during a market decline. An existing cash-value life policy may offer another source of funds, but loans and withdrawals have costs and risks. Read more