Insurance 101

Insurance products could be very confusing, don't fall into the trap of the complexity, go simple!

• Insurance 101
• Life insurance beneficiary 101
• How much life insurance should I have?
• How much life insurance is enough?
• Should I buy the additional life insurance coverage from my employer?
• When should I consider purchasing an insurance rider?
• Do I have to pay extra to work with an agent?
• What are the key differences between a Term life and Cash value life policy?
• How do young families buy insurance?
• Does Term life insurance offer living benefits?
• My wife doesn't work, how much life insurance can I buy for her?
• What are the common term insurance riders and should I get them?
• What is back date option and how can I benefit from it?
• Does any insurer offer FREE living benefits riders?
• How to compare different Term life products and companies?
• Is it possible to access Term life benefits while still alive?
• Is my Term life coverage still effective in a foreign country, such as China?
• Can I use a Term life's LTC benefits in a foreign country, such as China?
• Does insurance cover death due to suicide?
• What does Term life insurance not cover?
• How to avoid estate tax with insurance death benefit?
• Will misrepresentation of information in application lead to deny of benefits?
• What if I want to add more coverage to my existing term life policy?
• Does 10-pay Whole Life make sense for me?
• 6 reasons people like whole life insurance products
• Will traffic tickets impact my life insurance application?
• Is group life insurance always cheaper than I purchase on my own?
• Can Whole Life really guarantee me not to pay premium after certain years?
• Should I buy permanent life insurance or term life insurance and invest the saved money from whole life insurance in mutual funds?
• My parents' old universal life policy's premium is jumping due to low interest rates, what options do we have?
• I am young and single, do I need to get a life insurance while it's cheap?
• Should I stop contributing to 529 plan and instead getting an insurance plan to pay for my child's education?
• What questions should I ask a financial adviser?
• What is the best long term care insurance product on the market today?
• Is Term life policy transferable to another state?
• There were many bank failures, which insurer has failed since the financial crisis?
• 10 situations you can still get a good insurance rate.
• What is the best way to get cash from life insurance?
• Do different states have different Term life rates?
• What are the tax benefits of life insurance?
• Why no need to buy insurance for your children?
• What is Accelerated Death Benefit rider?
• When to do life insurance medical exam if pregnant right now?
• Can I pay insurance premium with a credit card?
• Will benefits be paid if insured die in an overseas travel?
• What Is The Best Way to Use Cash Value Insurance When You Are Old
• What happens if my life insurance company files bankruptcy?
• Should I buy life insurance from my? employer or on my own?
• Should i buy life insurance if I am already at age 50?
• Can I use one insurance application's medical exam results for another application?
• Which insurer does not consider family history of cancer in underwriting decision?
• A better way to buy long term care insurance.
• Does pregnancy impact life insurance application?
• Life insurance and tax Q&A's
• Group life vs. Individual life
• Return of premium rider evaluation tool
• 20 reasons why you still need life insurance at age 60
• Can Term life policy be used as collateral for a loan?
• Can I get term life coverage for as long as I want to?
• How much term life benefit can I purchase?
• Which life insurance firms in NY do not take E-signature?
• Public or mutual insurance company - which is better?
• Best underwriting class for Hep B life insurance applicant
• 3 Reasons you don't need long term care insurance

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