Blog
We've served the nation. Now we serve you.
February 16, 2026
Bottom Line Newborn life insurance is usually whole life coverage maintained by paying premiums, with cash value and optional future purchase rights. Prioritize parents' coverage first, and check how often a guaranteed insurability rider permits additional coverage without medical underwriting.…
Read more
February 16, 2026
Bottom Line Car sales duties alone don't establish eligibility for instant approval; health, driving history and secondary jobs also matter. Speeding tickets or a recent DUI may move an application into manual review, and commission income may require documentation. Request…
Read more
February 16, 2026
Bottom Line Consider reducing life insurance when debts shrink, children become financially independent and savings can support your spouse. Ask your insurer about lowering the existing death benefit before replacing coverage, which may restart the contestability period. Compare smaller life…
Read more
February 16, 2026
Bottom Line Newborn life insurance usually works as whole life coverage: a parent or grandparent owns the policy, pays premiums and builds cash value. Coverage lasts while premiums are paid; an included guaranteed insurability rider adds future purchase rights at…
Read more
February 16, 2026
Bottom Line A newborn whole life policy may fit families whose parental coverage is already adequate and who value future insurance purchase rights. Evaluate the insurability rider and ownership transfer terms; dividends aren't guaranteed, and actual premiums require personalized quotes.…
Read more
February 16, 2026
Bottom Line Newborn whole life coverage requires the policy's premiums; an insurability rider can offer additional purchases at specified ages without health questions. Prioritize adequate parental coverage and emergency savings; cash value serves a different purpose from college investments. Compare…
Read more
February 16, 2026
Bottom Line AM Best ratings assess an insurer's financial strength and ability to pay claims, rather than its branding or website. Use the rating alongside personalized pricing: a higher rating doesn't always mean higher premiums, and ratings can change. Compare…
Read more
February 16, 2026
Bottom Line Prioritize adequate parental life insurance before newborn whole life coverage. Check the rider's specified ages for additional purchases without health questions, and pay the premiums required by the policy to keep coverage in force. Compare newborn life insurance…
Read more
February 16, 2026
Bottom Line The best life insurance company depends on how its underwriters assess your health, driving record and family history. Carriers weigh those factors differently, and a quoted price can change after the insurer reviews your medical records. Compare personalized…
Read more
February 16, 2026
Bottom Line Stay-at-home parents need coverage based on the cost of replacing childcare and household work, not a salary multiplier. Add nonmortgage debts, mortgage and education costs; the working spouse's coverage can also limit how much a nonworking parent can…
Read more
