Resources & Guides
Expert articles to help you understand life insurance and make the right choice for your family.
Accidental Death and Dismemberment Insurance: Do You Need It?
Learn what AD&D insurance covers and does not cover. Understand why it should never replace term life insurance and when it makes sense as a supplemental benefit.
How Divorce Affects Your Life Insurance Policy
Learn how divorce affects your life insurance policy. Covers beneficiary changes, court-ordered coverage, cash value division, and getting new coverage after divorce.
Life Insurance for Grandparents: Leaving a Legacy
Explore life insurance options for grandparents, from final expense coverage to whole life policies and insuring grandchildren. Learn how to leave a meaningful financial legacy.
Variable Life Insurance Explained: Risk and Reward
Understand how variable life insurance works, including investment subaccounts, risks, costs, and who should consider this investment-oriented permanent life insurance product.
Life Insurance for Seniors Over 65: Your Options Explained
Explore life insurance options for seniors over 65 including term life, whole life, guaranteed issue, and simplified issue policies. Learn which coverage type fits your retirement needs.
Life Insurance for People with Chronic Conditions
How people with chronic conditions like diabetes, heart disease, and depression can obtain affordable life insurance coverage.
Life Insurance for High-Net-Worth Individuals: Estate Planning Strategies
Explore how high-net-worth individuals use life insurance for estate planning, including ILITs, survivorship policies, premium financing, and wealth transfer strategies.
Indexed Universal Life Insurance: Pros, Cons, and Reality Check
Get an honest look at indexed universal life insurance. Learn how IUL caps, floors, and costs actually work, plus who benefits most and who should avoid this policy type.
Life Insurance for Adopted Children: What Parents Need to Know
Everything adoptive parents need to know about life insurance, from coverage needs and insuring adopted children to medical history concerns and beneficiary planning.
How Much Does Life Insurance Cost Per Month? 2026 Rate Guide
See real 2026 life insurance costs by age, gender, and health status. Compare term, whole life, and universal life monthly premiums with our comprehensive rate guide.
Burial Insurance vs Final Expense Insurance: What's the Difference?
Learn the real difference between burial insurance and final expense insurance, including costs, policy types, and who should consider small whole life policies for end-of-life needs.
Life Insurance Medical Exam: What to Expect and How to Prepare
Everything you need to know about the life insurance medical exam: what tests are performed, how to prepare, and tips for getting your best results and lowest premiums.
Life Insurance for Military Families: SGLI and Beyond
A complete guide to life insurance for military families covering SGLI, VGLI, supplemental private coverage, and how to build a comprehensive protection plan.
Can You Have Multiple Life Insurance Policies?
Learn why and how you can own multiple life insurance policies. Understand laddering strategies, insurer rules, and how to manage multi-policy coverage effectively.
Life Insurance with a DUI on Your Record
Learn how a DUI affects life insurance rates and approval. Understand timelines, single vs multiple offenses, and strategies to get the best coverage despite a DUI record.
Tax Season and Life Insurance: Deductions You Might Be Missing
Discover the tax advantages of life insurance including tax-free death benefits, cash value growth, and business deductions. Learn strategies to maximize your tax savings.
Life Insurance for Newlyweds: Starting Your Future Right
Newlyweds benefit from buying life insurance while young and healthy. Learn how much coverage you need, which policy type is best, and common mistakes to avoid.
Whole Life Insurance as an Investment: Is It Worth It?
Is whole life insurance a good investment? Compare cash value returns with buy-term-invest-the-difference strategies. Learn when whole life makes sense and when term is better.
How to Transfer Life Insurance Policy Ownership
Learn how to transfer life insurance policy ownership for estate planning, divorce, or business purposes. Understand tax implications, the three-year rule, and the transfer process.
What Is a Life Insurance Trust and Why You Need One
Learn what a life insurance trust (ILIT) is, how it protects your estate from taxes, and the step-by-step process to set one up for maximum benefit to your heirs.