Life and Health Insurance
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Life and health insurance resources
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What happens when term life insurance expires?
You've outlived your term life insurance policy. What happens to your policy at its expiration and what options do you have as a consumer?
Read article What happens when term life insurance expires?
Life insurance and divorce: What happens next?
Navigating life insurance after a divorce can be confusing. Read on to learn the things you should consider regarding life insurance and divorce.
Read article Life insurance and divorce: What happens next?
Is life insurance worth it?
Is life insurance worth it? The answer is complex because everyone has a different financial situation. Ultimately, it's about providing security for loved ones.
Read article Is life insurance worth it?
What Is The Human Life Value Approach to Life Insurance?
Get a detailed explanation of the human life value concept and how to calculate HLV.
Read article What Is The Human Life Value Approach to Life Insurance?
Veterans life insurance: What you need to know
This guide to veterans? life insurance will help you make informed decisions on your coverage options as you transition from the armed forces to civilian life.
Read article Veterans life insurance: What you need to know
What is return of premium life insurance?
Return of premium life insurance policies refund your paid premiums if you outlive your term. Learn more about how ROP life works and if it's right for you.
Read article What is return of premium life insurance?
Life insurance for new parents: What you need to know
Starting your family? Here's some information new parents need to know about life insurance and how it can help protect themselves and their children.
Read article Life insurance for new parents: What you need to know
Military spouse life insurance: A complete guide
Learn about spousal life insurance coverage provided by the military and what options there are to supplement your policy if FSGLI isn't enough.
Read article Military spouse life insurance: A complete guide
What you need to know about 'no medical exam life insurance'
No medical exam life insurance' provides coverage without the exam. Learn more about where it's available, and whether it's right for you and your family.
Read article What you need to know about 'no medical exam life insurance'
Planning for long-term care
Most Americans will need some form of long-term service, support or care in their future. Planning now may help your family's overall financial well-being when that time comes. Take the first step here.
Read article Planning for long-term care
Life insurance for business: When do you need it?
A proper business life insurance strategy is an essential part of the success of an organization. Learn how life insurance can be for everything from recruiting to cash flow.
Read article Life insurance for business: When do you need it?
What happens to a life insurance policy when the owner dies?
Find out what happens to a life insurance policy when the owner dies and what you need to do if you're the beneficiary on the policy.
Read article What happens to a life insurance policy when the owner dies?
Types of permanent life insurance: Which is best for you?
This guide to the different types of permanent life insurance will help you understand the features of these policies, so you can protect the ones you love.
Read article Types of permanent life insurance: Which is best for you?
What is a life insurance beneficiary?
A life insurance beneficiary is the entity that will receive the death benefit upon the insured's passing. Learn what to consider when choosing a beneficiary.
Read article What is a life insurance beneficiary?
Understanding life insurance riders, benefits and options
Life insurance contracts can provide more than a death benefit. Use this guide to better understand the riders, benefits and options to consider when buying life insurance.
Read article Understanding life insurance riders, benefits and options
Life insurance for children: 4 lesser-known benefits
Life insurance policies for children are more than a death benefit for the unimaginable. They're also a powerful financial tool. Read on to learn how buying life insurance for your child can set them up for success.
Read article Life insurance for children: 4 lesser-known benefits
Is life insurance taxable?
Is your life insurance policy taxable? In most cases the death benefits are paid out tax free. But some situations may require the benefits to be taxed.
Read article Is life insurance taxable?
Guide to supplemental health insurance
Discover the benefits of supplemental health insurance. Learn how it complements your primary coverage. Get insights and make informed choices.
Read article Guide to supplemental health insurance
Medicare Advantage plan considerations
Understand the considerations for Medicare Advantage plans, to help make informed decisions about your healthcare coverage.
Read article Medicare Advantage plan considerations
How much does life insurance cost?
The cost of life insurance is determined by many factors, from health to type of coverage. This guide breaks down what affects your out-of-pocket premiums.
Read article How much does life insurance cost?
Life insurance advice: Making the right choices for your family
Life insurance advice for families: Who are you protecting? Who needs coverage? And how much do you need to cover your family's expenses?
Read article Life insurance advice: Making the right choices for your family
Pros and cons of common life insurance strategies
The pros and cons of three common life insurance coverage strategies including coverage timelines, costs and risk.
Read article Pros and cons of common life insurance strategies
Accidental death and dismemberment versus life insurance: Understanding the difference
Life insurance terminology doesn't have to be confusing. Learn about Accidental Death and Dismemberment insurance, often abbreviated as AD&D.
Read article Accidental death and dismemberment versus life insurance: Understanding the difference
Life insurance in retirement: planning for security.
Discover how life insurance can enhance your retirement security and provide for your loved ones.
Read article Life insurance in retirement: planning for security.
3 benefits of term life insurance
No matter what stage of life, term insurance can be an important part of your plan. Review some important factors to consider when buying term life.
Read article 3 benefits of term life insurance
Military life insurance: Is SGLI enough?
SGLI is a great, low-cost benefit that should be a part of every service member's financial plan. However, it may not be enough for your long-term financial goals.
Read article Military life insurance: Is SGLI enough?
Guide to health insurance for military veterans
Navigate your post-service health care with this health insurance guide for veterans, so you can find the right coverage for you and your family.
Read article Guide to health insurance for military veterans
Dental and vision insurance basics: Keep your health and wealth protected.
Dental and vision insurance provide many health and financial benefits. Follow this guide for making the right choices and employing preventive care.
Read article Dental and vision insurance basics: Keep your health and wealth protected.
Health care in retirement: Medicare basics
Aging into Medicare is all about planning and doing so with the best information possible. Check out how to prepare for this change.
Read article Health care in retirement: Medicare basics
Employee supplemental life versus term life: Which is right for you?
Learn the differences between employee supplemental life insurance and term life insurance to make the best decision for your family's life insurance needs.
Read article Employee supplemental life versus term life: Which is right for you?
How to choose between TRICARE Reserve Select and civilian health insurance
Life as a Reserves or National Guard service member is a full-time balancing act. Learn how to choose between TRICARE Reserve Select and civilian health insurance.
Read article How to choose between TRICARE Reserve Select and civilian health insurance
Group life insurance: Understanding coverage and options
Learn about group life insurance policies, including SGLI, VGLI and employer life insurance, and how they can differ from individual coverage.
Read article Group life insurance: Understanding coverage and options
Health Insurance 101 - Key terms and costs
Health insurance plans and costs can vary. This guide is intended to provide an overview of how to acquire health insurance, what key terms to learn and examples of what kind of expenses you should plan for.
Read article Health Insurance 101 - Key terms and costs
A guide to life insurance for cancer patients and cancer survivors
Discover how cancer patients and survivors can obtain life insurance coverage with this informative guide. Learn about policies and underwriting guidelines.
Read article A guide to life insurance for cancer patients and cancer survivors
Should you buy life insurance with a long-term care rider?
Should you need long-term care, life insurance with a long-term care rider can help pay for it. Find out how an LTC rider works to decide if it's right for you.
Read article Should you buy life insurance with a long-term care rider?
Giving the gift of life insurance
Life insurance is the gift that keeps giving. Learn how to gift a life insurance policy, and all the benefits involved.
Read article Giving the gift of life insurance
Life insurance for seniors: What you need to know
Understanding life insurance for seniors, whether it's for your parents, loved ones or yourself, can offer peace of mind.
Read article Life insurance for seniors: What you need to know
10 questions to ask when buying life insurance
Life insurance is an important investment for your family's future. Ask these essential questions to make sure you're getting the right policy for your needs.
Read article 10 questions to ask when buying life insurance
Does your college student need life insurance?
Life insurance for college students might not seem important, but it can help cover student loan debt and set your student up for financial success as an adult.
Read article Does your college student need life insurance?
Life insurance 101: Basics you should know
Getting life insurance is an important decision with a lot of factors involved. It's important to know why you need it and how it's going to help you. But insurance companies often have the bad habit of thinking that you speak fluent insurance.
Read article Life insurance 101: Basics you should know
When to consider survivorship life insurance
Explore the ideal circumstances and benefits that make survivorship life insurance worth considering for your long-term financial planning.
Read article When to consider survivorship life insurance
How often should I review my life insurance policy?
Learn how, when and why to review your life insurance policy to make sure it?s still meeting your life insurance needs.
Read article How often should I review my life insurance policy?
Why you need life insurance during a recession
In an economic downturn, a life insurance policy is one of the best ways to protect your family from unnecessary financial hardship.
Read article Why you need life insurance during a recession
Understanding life insurance for spouses
Learn how a spousal life insurance policy works, and when to consider purchasing a policy for your spouse.
Read article Understanding life insurance for spouses
Does your credit score affect your life insurance?
Having good credit history can not only increase your chances of qualifying for a mortgage or car loan, it can also impact your ability to obtain life insurance.
Read article Does your credit score affect your life insurance?
Selling a life insurance policy: What you need to know
Wondering if you can sell or cash out your life insurance policy? Learn the details of who can and should sell or cash out their life insurance.
Read article Selling a life insurance policy: What you need to know
Why you need a life insurance agent
Discover the crucial role a life insurance agent can play in securing financial protection for you and your family. Learn how they can provide peace of mind.
Read article Why you need a life insurance agent
Losing Medicaid coverage: Here are 6 steps to take
Millions of Americans may lose Medicaid coverage due to changes in COVID-era policies. Here are six steps to take if you are one of them.
Read article Losing Medicaid coverage: Here are 6 steps to take
What to do if you've been denied life insurance
There are different reasons why your life insurance application may have been denied. Learn why and the best next steps to getting coverage.
Read article What to do if you've been denied life insurance
Help protect your loved ones from rising funeral costs.
Leaving behind a large funeral expense can be emotionally and financially stressful to your loved ones. Find out how to mitigate funeral costs and if life insurance should be part of your plan.
Read article Help protect your loved ones from rising funeral costs.
Should you bundle your life insurance?
If you have multiple types of insurance from the same company, such as life and auto insurance, bundling your policies might be a good idea.
Read article Should you bundle your life insurance?
How to talk about life insurance with your loved ones
Learn why it's important to talk about life insurance with your loved ones and how to get the discussion started.
Read article How to talk about life insurance with your loved ones
Should you self-insure for life insurance?
Self-insurance is financial strategy in which an individual or organization puts aside funds to cover potential losses instead of using standard insurance.
Read article Should you self-insure for life insurance?
Can I benefit from a health savings account?
Health savings accounts are a smart way to pay for medical expenses. And they have tax benefits.
Read article Can I benefit from a health savings account?
Life insurance as a charitable gift
Life insurance is the gift that keeps giving. Learn about how to gift a life insurance policy and all of the benefits involved.
Read article Life insurance as a charitable gift
What to look for when choosing a life insurance provider
Understanding life insurance can be tricky. Selecting a provider doesn't have to be. Here are things to look for when choosing a life insurance provider.
Read article What to look for when choosing a life insurance provider
How to compare life insurance policies
Review all your options to make sure you?re getting the best policy to meet your needs.
Read article How to compare life insurance policies
What is life insurance conversion?
Learn about when you should consider converting your term policy to whole life, for maximum coverage.
Read article What is life insurance conversion?
Do I need life insurance if I'm single?
Life insurance can be a good source of protection to have. Learn if life insurance is worth it for single people.
Read article Do I need life insurance if I'm single?
Life insurance and dangerous hobbies: How do they affect your premiums?
Learn how high-risk activities, such as scuba diving, skydiving and motocross, can affect your life insurance coverage and premiums.
Read article Life insurance and dangerous hobbies: How do they affect your premiums?
Life insurance medical exams: What to expect
A medical exam may be required before you can be insured. Here's what to expect and how to prepare for a medical exam for life insurance.
Read article Life insurance medical exams: What to expect
Should I get life insurance in my 20s?
If you're in your 20s, purchasing life insurance may be one of the best long-term financial decisions you can make.
Read article Should I get life insurance in my 20s?
Quick tips to get covered with life insurance
Life insurance is a basic building block of your finances. These quick tips can help steer you toward a life insurance policy that works for you.
Read article Quick tips to get covered with life insurance
5 tips for beneficiaries: Planning for the future
Planning for the unexpected is important. Use these tips to navigate the various financial decisions that come with losing a loved one.
Read article 5 tips for beneficiaries: Planning for the future
Survivor Benefit Plan Open Season
Learn about the upcoming Survivor Benefit Plan (SBP) open season and how it offers important protection for military families.
Read article Survivor Benefit Plan Open Season
Changing life insurance companies: What to consider
Changing life insurance companies: What are the risks in switching away from your current provider and why it might be the right move for you.
Read article Changing life insurance companies: What to consider
How much life insurance do I need?
When shopping for life insurance, it's important to know how much life insurance you need. Here is a guide to determining how much life insurance is right for you.
Read article How much life insurance do I need?
Pros and cons of mortgage life insurance
Mortgage life insurance is a term policy where beneficiary of the policy is the mortgage lender. In the event of your death, it pays off your mortgage debt.
Read article Pros and cons of mortgage life insurance
What is cash value life insurance?
What is cash value life insurance? It's a permanent life policy with a cash saving component. Learn how these policies fit into your financial strategy.
Read article What is cash value life insurance?
Understanding permanent life insurance
Permanent life insurance provides a safety net for you and your loved ones. These flexible policies have a cash value component that can help secure your future.
Read article Understanding permanent life insurance
Can minors be beneficiaries on life insurance?
Learn how a minor can be a beneficiary of a life insurance policy, such as setting up a life insurance trust to receive the death benefit from your policy.
Read article Can minors be beneficiaries on life insurance?
5 steps to shopping for health insurance that's right for you
How do I get health insurance? The process of getting new health insurance can feel overwhelming. Here are 5 steps to shopping for coverage that's right for you.
Read article 5 steps to shopping for health insurance that's right for you
How to borrow money against your life insurance policy
Some life insurance policies build cash value over time. Learn how you may be able to borrow money against that cash value.
Read article How to borrow money against your life insurance policy
How to get health insurance when leaving the military
As you prepare to live your life as a civilian, let us guide you on how to get health insurance when leaving the military.
Read article How to get health insurance when leaving the military
4 questions to ask when buying life insurance
Major life events can cause you to want to buy life insurance or add more to your policy. Ask these four questions to stay on track.
Read article 4 questions to ask when buying life insurance
