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What is Escrow in a Mortgage, and Why is it Needed?
Escrow in a mortgage begins when you sign the purchase agreement and ends when you finalize the sale. Escrow accounts, on the other hand,... Read More
The Pros and Cons of Permanent Life Insurance
A permanent life insurance policy, such as whole or universal life insurance, can be a great way to ensure financial protection for your... Read More
Is Whole Life Insurance a Good Investment? When it's Worth it to Invest in Life Insurance
Whole life insurance might be a worthwhile investment if you've already maxed out your retirement accounts and have a diversified... Read More
How Does Cash Value Life Insurance Work?
Cash value life insurance provides both lifelong coverage and an investment account. Learn how to maximize the cash value in whole or... Read More
What Is a Contingent Beneficiary?
A contingent beneficiary is the backup person who would receive your life insurance death benefit if all of your primary beneficiaries are... Read More
How to Borrow Against Your Life Insurance Policy
It's simple to borrow against the cash value of a permanent life insurance policy, as there are no loan requirements or qualifications... Read More
How Variable Life Insurance Works: Pros and Cons
Variable life insurance, also called variable appreciable life insurance, provides lifelong coverage, as well as a cash value account. See... Read More
Life Insurance for Your Family and Children
There are several ways to purchase life insurance for your family, including whole life insurance for your children, a joint life insurance... Read More
Do You Have to Pay Taxes on Life Insurance?
Life insurance death benefits are typically not taxed unless your total estate is very large. However, you usually need to pay taxes if you... Read More
Should I Buy Group and Supplemental Life Insurance?
Group and supplemental life insurance from your employer can provide coverage at discounted rates. But should you buy individual term life... Read More
How Much Life Insurance Do You Actually Need?
Your life insurance policy should include enough to cover the money your family relies on you for, plus your end-of-life expenses, if... Read More
Flood Zones & How They Affect Insurance
Your FEMA flood zone is used to determine whether you're required to purchase flood insurance. However, it's no longer used to calculate... Read More
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