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Life insurance can be an important part of a business owner’s financial strategy. It can also be a great benefit to offer to key employees. However, sometimes the cost can…

Last-survivor life insurance has been a popular estate conservation tool for couples who want to help ­protect their legacy from estate taxes. Because this type of policy pays a benefit…

One of your greatest assets is the ability to earn an income. If you were to lose that ability due to a disabling accident or illness, how would you pay…

Term life insurance is “pure” insurance. It offers protection only for a specific period of time. If you die within the time period defined in the policy, the insurance company…

Most people are familiar with whole life insurance. For many years, whole life policies were the predominant type of life insurance sold in America. When you purchase a whole life…

Universal life insurance was developed in the late 1970s to overcome some of the disadvantages associated with term and whole life insurance. As with other types of life insurance, you…

The insurance industry has introduced different types of insurance to meet consumers’ needs. For example, universal life insurance was created to provide a solution for many of the perceived shortcomings…

Four main types of auto insurance are available: liability, uninsured or underinsured motorist, collision and comprehensive, and personal injury. Most states require drivers to carry certain types of insurance. Liability…

When it is time to make an insurance claim, the more prepared you are, the more smoothly it will go. Be familiar not only with your policies but also with…

Understanding the threat of estate taxes on your life insurance proceeds is the first step in protecting these funds from unnecessary taxation. The next steps are determining the appropriate ownership…