Blog
We've served the nation. Now we serve you.
February 17, 2026
Bottom Line Consider juvenile life insurance after securing adequate parental coverage, especially when family medical history raises future insurability concerns. Check the guaranteed insurability rider's purchase dates and coverage limits, which depend on the policy. Compare child life insurance Thinking…
Read more
February 17, 2026
Bottom Line Update beneficiaries through your carrier's required portal or signed form, and review coverage after marriage, divorce, children or a home purchase. Check both primary and contingent beneficiaries so your instructions identify who receives the benefit and who serves…
Read more
February 17, 2026
Bottom Line Retiree life insurance should cover remaining debts, final expenses and a spouse's income shortfall, rather than a multiple of former earnings. Size coverage to those gaps to manage premiums on a fixed income; health also affects your options…
Read more
February 17, 2026
Bottom Line Juvenile life insurance is usually parent-owned whole life coverage that lasts while premiums are paid and builds cash value. For future insurability, examine the rider's permitted coverage increases and purchase windows, rather than choosing solely by monthly premium.…
Read more
February 17, 2026
Bottom Line Newlyweds' 10-year term premiums depend mainly on age and health, with tobacco use increasing costs. The fixed premium can suit temporary debts or a tight budget, but coverage needs extending beyond the decade call for a longer term.…
Read more
February 17, 2026
Bottom Line Consider juvenile life insurance for future insurability after parents have adequate coverage and room in the budget. Compare the rider's permitted additional purchases without health questions; cash value grows slowly and isn't the main reason to buy. Request…
Read more
February 17, 2026
Bottom Line Review beneficiaries, coverage amounts and riders after major life events or every few years, and submit beneficiary changes to your carrier. If replacing coverage, keep the old policy active until the new one is approved and in force.…
Read more
February 17, 2026
Bottom Line Estimate retiree life insurance needs by adding final expenses, debts your spouse couldn't carry, an income-gap allowance and optional legacy gifts. Calculate that allowance from your spouse's monthly shortfall and the number of months you want covered. Request…
Read more
February 17, 2026
Bottom Line Juvenile whole life insurance builds cash value and requires the policy's premiums; a parent or grandparent usually owns it. A guaranteed insurability rider permits additional coverage purchases at specified ages or events without health questions. Compare child life…
Read more
February 17, 2026
Bottom Line Taking Effexor doesn't automatically rule out term life insurance; the underlying diagnosis and treatment stability matter more than the medication name. Underwriters consider dose changes, daily functioning, hospitalizations and substance use, with outcomes varying by carrier. Request quotes…
Read more
