Amanda Foster
Editor-in-Chief
LUTCF®, Licensed in 48 States, Former Senior Agent at Northwestern Mutual
Amanda Foster is a licensed insurance advisor with 15 years of experience helping families find the right life insurance coverage. She holds her LUTCF designation and has placed over $200 million in coverage across term, whole, and universal life policies. Amanda believes life insurance decisions shouldn't be driven by fear — her reviews focus on transparent cost comparisons and matching policy types to real family situations.
Articles by Amanda Foster(12)
Whole Life vs Universal Life: Which Builds More Cash Value?
Whole Life vs Universal Life: Which Builds More Cash Value? Both whole life and universal life insurance are permanent life insurance policies with a cash value component. Both can accumulate significant value over deca
Complete Guide to Life Insurance (2026)
Everything you need to know about life insurance in 2026 — types, costs, how much coverage you need, and how to buy the right policy for your family.
Life Insurance Cost Guide: How Much Does Life Insurance Cost in 2026?
See exactly how much life insurance costs in 2026 — with real sample rates by age and gender, what affects your premium, and proven strategies to lower your monthly payment.
Life Insurance Claims: How to File and What to Expect
A step-by-step guide to filing a life insurance claim — from gathering documents to receiving the payout — plus what to do if a claim is delayed or denied.
How to Buy Life Insurance: Step-by-Step Guide for Beginners
A simple step-by-step guide to buying life insurance for the first time — from calculating how much you need to choosing a policy and completing the application.
Life Insurance for People with Diabetes: What You Need to Know
Life Insurance for People with Diabetes: What You Need to Know Diabetes does not disqualify you from getting life insurance. Millions of Americans with type 1 or type 2 diabetes have active life insurance policies. What
Irrevocable Life Insurance Trust (ILIT): Tax-Free Wealth Transfer
An ILIT removes your life insurance from your taxable estate. Learn how this strategy works and whether it is right for your situation.
Cheap Life Insurance: How to Get the Lowest Rates
9 proven strategies to lower your life insurance premiums — from improving health metrics to choosing the right policy structure.
What Is Return of Premium Life Insurance?
Discover how return of premium life insurance works, including costs, benefits, and whether the money-back guarantee is worth the higher premiums compared to standard term life.
Life Insurance for Teachers: Benefits and Group Options
Teachers often get group life through their district, but it is rarely enough. Learn how to supplement your school-provided coverage.
When Should You Increase Your Life Insurance Coverage?
Major life changes trigger insurance reviews. Marriage, babies, a new home, or a raise — each one means recalculating your coverage needs.
The Psychology of Life Insurance: Why We Avoid What We Need Most
Psychological barriers like mortality anxiety, optimism bias, and loss aversion prevent people from buying life insurance. Understand these biases and overcome them.