Blog
We've served the nation. Now we serve you.
February 15, 2026
Bottom Line Universal life combines a death benefit with cash value used to cover insurance charges and fees. Flexible payments depend on sufficient funding: paying less or skipping premiums can lead to lapse if the cash value runs out. Request…
Read more
February 15, 2026
Bottom Line Life insurance for babies usually provides whole life coverage that continues while premiums are paid, with cash value controlled by the adult owner. Applying involves health questions and medical-record review; premature birth may mean waiting before a carrier…
Read more
February 15, 2026
Bottom Line Studio-based broadcast journalism generally presents less occupational risk than field reporting, but health still affects rates. News helicopter flights, conflict-zone assignments and disaster coverage can change underwriting; disclose hazardous freelance work as well as your primary duties. Compare…
Read more
February 15, 2026
Bottom Line Level term life offers fixed premiums for a defined coverage period, without building cash value. Match its expiration to your debts and dependents' needs: renewing or replacing coverage later can cost substantially more as you age. Compare level…
Read more
February 15, 2026
Bottom Line Term life insurance may be possible with anxiety, but eligibility and price depend on stability, daily functioning and related conditions. Insurers also consider medication changes and hospitalization history; a diagnosis alone doesn't determine the underwriting result. Compare term…
Read more
February 15, 2026
Bottom Line Whole life combines permanent death-benefit protection with contractual cash value, provided policy requirements are met. Check the illustration's guaranteed values separately from nonguaranteed dividends; borrowing accrues interest and can reduce benefits or contribute to lapse. Request a whole…
Read more
February 15, 2026
Bottom Line No-exam term coverage may suit applicants over 50 protecting a mortgage or income until retirement, but health questions and data checks still apply. Significant health issues can require medical records, and conversion deadlines vary by carrier. Compare no-exam…
Read more
February 15, 2026
Bottom Line Calculate newlywed life insurance by adding nonmortgage debts, income replacement, the mortgage balance and planned education costs. Include the cost of replacing a stay-at-home spouse's childcare and household work, rather than basing both spouses' coverage solely on wages.…
Read more
February 14, 2026
Bottom Line A savings account suits emergency funds and short-term goals; whole life combines long-term cash value with a death benefit. Early cancellation can mean a loss, and policy loans charge interest and reduce the death benefit if unpaid. Compare…
Read more
February 14, 2026
Bottom Line Brewers seeking a quick life insurance decision should describe chemical handling and work around pressurized equipment. Give accurate health and alcohol histories; job title alone cannot establish approval or rule out further review. Compare life insurance for brewers…
Read more
