What is level-term life insurance?

Level-term life insurance, the most common type of term insurance, offers both affordable life insurance premiums and a straightforward process for you, the insured. Life insurance is not a conversation topic in which most people like to engage. As a result, the daunting task of selecting the right policy to protect you and your loved ones can…

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Best Life Insurance for Smokers in 2024 (Your Guide to the Top 10 Companies)

The top picks for the best life insurance for smokers are Prudential, Banner Life, and AIG. These companies stand out for their accommodating policies towards smokers. Smokers face higher premiums due to the increased risks associated with tobacco use, but these providers offer competitive options that can help mitigate costs. Learn more in our complete…

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What is corporate-owned life insurance or dead peasant insurance?

Have you ever heard of corporate-owned life insurance or dead peasant insurance? Corporate-owned life insurance is life insurance taken out by companies on their top employees.  In this guide, we’ll look at corporate-owned life insurance, who uses these policies, and the controversy surrounding this growing practice.  How does corporate-owned life insurance work? Corporate-owned life insurance…

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Can you have multiple life insurance policies?

Life insurance is a valuable financial tool for protecting your family in the event of your passing. However, can you have multiple life insurance policies to ensure comprehensive coverage for your loved ones? It’s possible to have multiple life insurance policies. In this guide, we’ll discuss why it might be the right decision for you…

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Best Life Insurance for People With Disabilities in 2024 (Our Top 10 Picks)

The best life insurance for people with disabilities includes top picks like Prudential, New York Life, and Banner Life, offering comprehensive coverage, ensuring affordable premiums and flexibility. This article explores how different disabilities impact premiums, the types of policies available, and practical tips for securing coverage. To gain further insights, consult our comprehensive guide titled…

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Do life insurance companies test for drugs?

Do life insurance companies test for drugs? That’s a question many potential policyholders are asking. And the answer is yes — life insurance companies test for drugs to determine if they will provide coverage.  This testing can include prescription and illicit substances. If they find any of these in your system, it can result in…

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