Split Dollar Life Insurance: When to Use It in 2026

Buying the Policy Is Just the Beginning Most people think the hard part of life insurance is getting approved. And sure, that process takes effort. But the real work starts after the policy is in force. Split dollar life insurance, in particular, demands ongoing attention because it involves two parties sharing the costs and benefits…
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Do I Need More Life Insurance? How to Tell in 2026

If you’re asking yourself whether your current life insurance is enough, that question alone is a good sign. It means you’re thinking ahead. But the answer isn’t always obvious, and most people find out they’re underinsured only after something changes. A new baby, a bigger mortgage, a promotion that doubled your income. The coverage you…
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BMI Over 30: Term Life Insurance Rates in 2026

You Can Still Get Covered If your BMI is over 30 and you just got a shocking quote or even a flat decline from one company, take a breath. You’re not out of options. Plenty of people with a BMI above 30 get approved for term life insurance every single day, often at rates that…
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Convertible Term vs Group Life Insurance in 2026

Convertible Term vs Group Life Insurance in 2026 If you’re looking at the life insurance your employer provides and wondering whether it’s enough, you’re asking the right question. Most people assume that group life coverage through work has them covered. But the reality is more complicated, and understanding the difference between group life and convertible…
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Valtrex Users: Term Life Insurance Rates in 2026

You Take Valtrex. You Still Need Life Insurance. Here’s What to Know. If you’re taking Valtrex and just started looking into life insurance, you’re probably bracing for bad news. Maybe you already got a quote that felt too high, or you’re worried about being turned down altogether. Take a breath. The reality is a lot…
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Convertible Term Life Insurance vs GUL: Which Is Better in 2026?

Two Policies, Two Very Different Jobs If you’ve been comparing life insurance options and landed on convertible term life versus guaranteed universal life (GUL), you’re already asking smarter questions than most people. These two products look similar on the surface. Both promise a death benefit. Both have level premiums. But they solve completely different problems,…
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When to Decrease Life Insurance Coverage (2026)

You Might Be Paying for More Coverage Than You Need If you bought life insurance years ago, there’s a good chance your financial picture has changed. The mortgage is smaller. The kids are older. Your retirement accounts have grown. But your policy? It’s probably the same size it was when you first signed up. That…
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Flight Attendant Term Life Insurance Rates (2026)

Life Insurance for Flight Attendants. What You Need to Know You spend your career keeping passengers safe at 35,000 feet. But when it comes to protecting your own family with life insurance, you’ve probably wondered whether your occupation makes coverage harder to get or more expensive. The short answer is that most flight attendants qualify…
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Convertible Term Life Insurance vs IUL: Which Is Better in 2026?

You Want Flexibility. But Which Kind? If you’re comparing convertible term life insurance to an indexed universal life (IUL) policy, you’re probably thinking about the future. Maybe you want affordable coverage now but don’t want to be locked out of permanent insurance later. Or maybe someone pitched you on IUL and the cash value growth…
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CREST Syndrome: Term Life Insurance Rates in 2026

Getting Life Insurance with CREST Syndrome If you’ve been diagnosed with CREST syndrome and started looking into life insurance, you’ve probably already hit a wall. Maybe a carrier declined you outright, or the quote you received felt unreasonably high. That’s frustrating, but it doesn’t mean affordable coverage is out of reach. Insurance By Heroes was…
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