Life Insurance Guide

Do I need life insurance?

If anyone is financially dependent on you, life insurance is always recommended — the earlier the better. It’s also worth it if you have assets, debt, or a business. Death benefits can be used by beneficiaries to pay for just about anything following the passing o…

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Is life insurance tax-deductible?

Life insurance premiums are generally not tax-deductible. One of the rare exceptions is business owners, who can deduct life insurance premiums paid for employees. However, this comes with a few more provisions; for example, you cannot deduct premiums if you own t…

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Top factors that impact life insurance premiums

Insurance companies will assess who you are, including the condition of your health and details about your lifestyle and your past. Factors affecting life insurance rates include:

  • Age: One of the most important rating factors is your age. Unlike auto insurance, th…
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Types of life insurance policies

Another factor to consider — aside from how much insurance you need — is what type of life insurance is best for you and your family members. The two primary differences between these types of life insurance policies are the length of coverage over your lifetime a…

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What does life insurance cover?

Most causes of death are covered by life insurance, including natural causes, accidents, and illness. There may be stipulations around suicide, however, and life insurance may consider it exempt from coverage within the first number of years of having the policy. …

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How life insurance works

In order to obtain life insurance, you must qualify by submitting an initial application. The process typically includes a phone screening and a medical examination to determine your health status, including any chronic or pre-existing conditions. Your health info…

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What is life insurance?

Life insurance is a contract between you and an insurance company that promises a monetary payout, commonly called a death benefit, to designated beneficiaries — typically family members — after you pass away. As long as you’ve paid your premiums and the policy is…

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