Blog
We've served the nation. Now we serve you.
February 13, 2026
Bottom Line To cancel life insurance, request the insurer's cancellation or surrender form; cancellation ends your coverage. For permanent policies, confirm surrender charges and potential tax on gains, and put any replacement coverage in force before canceling. Compare replacement life…
Read more
February 13, 2026
Bottom Line Single adults may need life insurance for people they support, co-signed debts or final expenses. Without anyone depending on your income, a large income-replacement policy may be unnecessary; base coverage on specific obligations and the legacy you want…
Read more
February 13, 2026
Bottom Line Children's life insurance pricing varies by age and carrier; younger applicants generally pay less. Whole life coverage lasts while premiums are paid, and a guaranteed insurability rider can allow later purchases without health questions at specified ages. Compare…
Read more
February 13, 2026
Bottom Line Compare guaranteed universal life illustrations with the same applicant, benefit and payment plan. A shorter guarantee may end before your need does; check required payments, the guarantee end date and treatment after it ends. Request matched policy illustrations…
Read more
February 13, 2026
Bottom Line To compare life insurance prices fairly, match coverage, term, riders, assumed health class and payment schedule across carriers. Age, health and tobacco use affect rates, but the quoted price remains an estimate until underwriting determines your rating class.…
Read more
February 13, 2026
Bottom Line A child's life policy may be worth considering once parents have adequate coverage, especially for future insurability. Check the rider's purchase ages and increase limits; keeping the original whole life coverage requires continued premium payments. Request children's life…
Read more
February 13, 2026
Bottom Line Guaranteed universal life may fit if you want a death benefit through a chosen age rather than cash accumulation. It builds little cash value, and late or insufficient payments can shorten the guarantee or jeopardize coverage. Request guaranteed…
Read more
February 13, 2026
Bottom Line Whole life may be worth its higher premiums if you need lasting protection and predictable cash value. It's a long-term commitment: early cancellation can mean losses, and outstanding policy loans reduce what your beneficiaries receive. Request whole life…
Read more
February 13, 2026
Bottom Line Barbers may qualify for accelerated underwriting, but the job alone doesn't guarantee instant approval. Repetitive motion injuries, chemical exposure and income can affect the application; prescription and driving records can trigger further review even without a medical exam.…
Read more
February 13, 2026
Bottom Line Term life coverage may be possible with angina, usually at higher premiums. Stable versus unstable symptoms, heart function, recent procedures, and cardiology records matter; unstable angina or a recent procedure can lead to postponement rather than an immediate…
Read more
