Life Insurance
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Accidental Death Benefit Rider
Purchasing a life insurance policy today is not at all unlike buying a car. There are so many options possible to customize your policy to meet very specific needs and preferences. This is typically done by adding life insurance riders to a basic policy, which provides the extra features that will make the plan the…
What is an Accelerated Death Benefit Rider?
One of the major drawbacks of life insurance, or so it’s typically thought, is that it provides no benefits while you are still alive. It’s seen strictly as a death benefit. But there are certain life insurance riders that can be added to a policy that will provide living benefits. One of them is an…
Permanent Life Insurance
There’s been a noticeable trend in favor of term life insurance in recent years. The popularity of term life insurance is that it’s much less expensive than permanent life insurance. That lower cost does come at a price—all term policies come to an end at some point. A longer-term term policy can extend up to…
What is Variable Universal Life Insurance (VUL)?
To develop more competitive financial products, the life insurance industry has created some very interesting and complicated policies. Perhaps the most complex is the variable universal life insurance policy, commonly referred to simply as “VUL”. Variable is the operative word in the title because the various provisions of the policy can be adjusted, both at…
What is Indexed Universal Life Insurance?
Indexed universal life insurance is a mouthful to say, which is why it’s frequently referred to simply as an “IUL” policy. But behind the technical name of the policy is a life insurance plan that provides a wide range of flexibility not offered with other life insurance policy types. During the course of the policy,…
Survivorship Life Insurance
There are all types of life insurance policies available these days, so it may not surprise you to learn that it’s even possible to buy a single policy that covers two people. That’s the basic idea behind survivorship life insurance. It enables two people to have one life insurance policy between them, and at a…
Life Insurance for Steel Workers
Most consumers know that factors like personal health conditions, your family’s health history, and even certain personal habits (like smoking) and hobbies can have a major impact on your life insurance premiums. But did you know that your occupation may also be a factor? That’s certainly not true of all occupations, but there are several…
What is a Term Rider?
It’s common to think of a life insurance policy as having three basic parts – the death benefit, a premium, and in the case of whole life insurance, a cash value accumulation feature. But those are just the foundations. Nearly any life insurance policy can be customized by using one or more of a variety…
Life Insurance for Police Officers
If you’re a police officer with a spouse and/or a family, you’ve probably given some serious thought to the amount of life insurance you have. After all, the occupation you work in is more hazardous than most. And for that reason, you probably also wondered what the complications of purchasing life insurance for police officers…
Life Insurance for Firefighters
If you’re a firefighter, you may be wondering if it’s possible to get life insurance for firefighters. After all, firefighting is considered a more dangerous occupation than most. While that’s certainly true, it will not prevent you from purchasing private life insurance. Life insurance companies underwrite policies for firefighters all the time, and the differences…