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Bottom Line Lincoln Heritage Funeral Advantage combines burial coverage with funeral planning support. Health questions determine eligibility and whether full benefits are delayed for natural deaths. Compare the bundled service, premium and benefit terms with standalone coverage from other insurers.…

Bottom Line Pacific Life may suit buyers seeking index-linked cash value through permanent life insurance. Compare its IUL charges, guarantees and crediting terms. A floor limits negative index interest crediting; policy charges can still reduce cash value. Compare life insurance…

Bottom Line Surrendering your Gerber whole life policy releases available cash value and ends coverage. Outstanding loans, interest and applicable charges reduce the payout. Borrowing against cash value keeps coverage active if funded, but unpaid debt reduces the death benefit.…

Bottom Line Globe Life may fit shoppers seeking modest coverage with a simple application, including no-exam options for certain policies. Many term policies have premiums that rise as you age, and coverage limits may fall short for income replacement or…

Bottom Line Primerica may fit families seeking term coverage who favor its “buy term and invest the difference” approach. Its agents offer only Primerica policies, so you'll need separate quotes to compare carriers. If you want lifelong coverage, Primerica generally…

Bottom Line Northwestern Mutual may suit buyers seeking whole life through its representatives. Dividends are not guaranteed, and it does not offer indexed universal life. Request its quotes through its representatives; we can compare independent alternatives. Compare independent coverage options…