Variable universal life policies represent a relatively small slice of the U.S. life insurance market, making up 14% of sales by premium in 2024, according to LIMRA, a life insurance research group.

Smart investors often make common mistakes when buying insurance — such as underestimating the importance of term insurance, ...

Clients often say to me, “what does that word mean?” I always welcome those questions because the client really needs to know ...

Insurance experts say asking five key questions can help older Americans save money and ensure proper coverage.

When asked to guess what the premium of a $250,000 20-year, level term policy would be for themselves, healthy adults in the ...

Side products no more, life insurance and annuities can make financial longevity possible for clients at all AUM levels.

If you’re one of the 51% of Americans with life insurance coverage, you might consider borrowing against your policy if you ...

Although only 50% of American adults have life insurance, financial experts say that life insurance is a non-negotiable need ...

These signals can lull leadership into thinking well-being is “covered,” even while employees quietly struggle. Worse, they ...

Small business insurance safeguards businesses against unforeseen financial risks, legal liabilities, and operational disruptions. A solid insurance plan can protect business owners from liability, ...

Life insurance guarantees a death payout; premiums determine ongoing validity. Term life insurance has fixed durations; permanent offers lifelong coverage and cash value. Premiums vary by age ...

In this scenario, your insurance will pay 80% of your bill, or $280, leaving you to pay $70 of the bill out of pocket. If your coinsurance was 30% instead, you'd pay $105, and your insurance would ...