Naming a Minor as a Life Insurance Beneficiary
Naming a child as a life insurance beneficiary requires careful planning. Learn how custodians, trusts, guardianship, and Florida rules may affect payment. Read more
Life Insurance
Life Insurance Through Work: What Happens When You Change Jobs?
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 and Life Insurance: Planning for a Bear Market
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
When Retirement Costs Rise in a Bear Market: Can Life Insurance Cash Value Help?
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
How Much Life Insurance Do I Need? A Smart, Practical Guide
A practical life insurance needs analysis can help families estimate income replacement, debts, education, caregiving responsibilities and available resources. Read more
IUL IRR Report: A Smart Guide to Reading Policy Performance
An IUL IRR report can make a life-insurance illustration easier to evaluate. Learn what the percentages mean, which values are guaranteed and how to compare policy designs fairly. Read more
Life Insurance for Blended Families: 15 Smart Ways to Protect Everyone Fairly
Life insurance for blended families requires careful coordination among spouses, children, stepchildren and former-family obligations. Explore 15 practical ways to review beneficiaries, ownership, coverage and estate-planning concerns fairly. Read more
Term Life Insurance Conversion: 12 Smart Steps Before Your Deadline Expires
Term life insurance conversion may allow eligible coverage to become permanent insurance without new evidence of insurability. Learn 12 steps for reviewing deadlines, costs, options and long-term needs before your term policy expires. Read more
Life Insurance Awareness Month: 12 Smart, Essential Steps to Protect Your Family
Life Insurance Awareness Month is a helpful time to review your coverage, beneficiaries and changing financial responsibilities. Follow these 12 practical steps to evaluate how well your current protection fits your family’s needs. Read more
Life Insurance for Stay-at-Home Parents: 15 Smart, Essential Ways to Protect Your Family
Life insurance for stay-at-home parents can help replace childcare, household support and lost income when a surviving parent must take on additional responsibilities. Read more