Life Insurance
Your Guide to Everything Life Insurance
All Life Insurance Articles
Page 1 of 9
Per Stirpes vs Per Capita: How to Designate Life Insurance Beneficiaries
Get the per stirpes beneficiary designation right — or risk leaving your grandchildren with nothing
Last Updated: Apr 2026
Stranger-Originated Life Insurance (STOLI): Red Flags and Risks to Avoid
How predatory STOLI schemes target seniors, why they're illegal, and what to do if you're approached
Last Updated: Apr 2026
How to Read a Life Insurance Illustration: What the Numbers Really Mean
Decode every column, projection, and assumption in a life insurance illustration before you sign anything.
Last Updated: Apr 2026
Second to Die Life Insurance: Estate Planning for Couples Explained
How survivorship life insurance can protect your estate, minimize taxes, and transfer wealth for less than you think
Last Updated: Apr 2026
Imputed Income on Life Insurance: What It Is and How It Affects Your Taxes
Your employer's life insurance benefit could be costing you more in taxes than you realize — here's everything you need to know.
Last Updated: Apr 2026
Life Insurance Calculator: How Much Coverage Do You Really Need?
Use these four proven methods to find the exact life insurance coverage your family needs
Last Updated: Apr 2026
Life Insurance Policy Review: When and How to Evaluate Your Coverage
Most Americans never revisit their life insurance after buying it — here's why that's a costly mistake.
Last Updated: Apr 2026
Life Insurance Agent Commissions: How Agents Get Paid & What You Should Know
Discover how life insurance agents earn commissions, what it means for your policy, and how to ensure you're getting truly objective advice.
Last Updated: Apr 2026
Life Insurance 1035 Exchange: Tax-Free Policy Replacement Guide
Transfer your life insurance policy tax-free and keep more of your money using a 1035 exchange.
Last Updated: Apr 2026
Decreasing Term Life Insurance: Mortgage Protection & When It Makes Sense
How a shrinking death benefit can protect your mortgage and save you money on premiums
Last Updated: Apr 2026
Yearly Renewable Term Life Insurance: How It Works and When to Use It
Learn how YRT premiums rise each year, who benefits most, and when level term is the smarter long-term choice
Last Updated: Apr 2026
Life Insurance Wellness Programs: How to Reduce Premiums Through Healthy Living
Earn real premium discounts and cashback rewards simply by living a healthier lifestyle with your life insurance policy.
Last Updated: Apr 2026
Modified Endowment Contract (MEC): What It Is, Tax Rules & 7-Pay Test
Overfunded your life insurance? Find out how MEC status changes your taxes, penalties, and retirement strategy.
Last Updated: Apr 2026
Life Insurance Policy Review: When and How to Evaluate Your Coverage
Is your life insurance keeping pace with your life? Here's how to find out — and fix it fast.
Last Updated: Apr 2026
Life Insurance Agent Commissions: How Agents Get Paid & What You Should Know
Uncover how life insurance agent commissions work — and whether they're secretly influencing the policy you're being sold.
Last Updated: Apr 2026
Life Insurance 1035 Exchange: Tax-Free Policy Replacement Guide
Switch life insurance policies without a tax bill — here's exactly how a 1035 exchange works and when it saves you money.
Last Updated: Apr 2026
Decreasing Term Life Insurance: Mortgage Protection & When It Makes Sense
Learn how decreasing term life insurance protects your mortgage while keeping costs low as your balance drops.
Last Updated: Apr 2026
Yearly Renewable Term Life Insurance: How It Works and When to Use It
Discover how YRT life insurance premiums work, who it's best for, and how it stacks up against level term policies
Last Updated: Apr 2026
Life Insurance Wellness Programs: How to Reduce Premiums Through Healthy Living
Earn real premium discounts and cashback rewards just by living a healthier lifestyle with your life insurer.
Last Updated: Apr 2026
Modified Endowment Contract (MEC): What It Is, Tax Rules & 7-Pay Test
Overfunded your life insurance? Learn how MEC status changes your tax benefits forever.
Last Updated: Apr 2026