If I sold my life insurance policy. . . .

There’s a growing market for life insurance policies that are no longer needed — it’s called the life settlement market. Sellers of life insurance policies are generally over age 65 with health conditions that shorten their life expectancy. » read on…

Life insurance lies can come back to bite

Lying is never worth the risk when it comes to insurance. Insurance companies have sophisticated ways of uncovering the truth. » read on…

Life insurance tip: Send in payment with application

If you’re shopping for life insurance, here’s a good tip: Enclose a check for your premium payment with your application. Your life insurance coverage will then be in force from the day your application is received. » read on…

What’s dangerous in everyday life?

It appears to be a no-brainer. A shark is definitely deadlier than a bee, right? » read on…

The most dangerous job in America

New statistics from the U.S. Department of Labor reveal the industry with the highest fatality rate last year: Agriculture, forestry, fishing and hunting. The death rate for miners is also high, along with workers in transportation and warehousing industries and construction. » read on…

Unwanted life insurance: How to unload your policy for money

A decade ago, if you no longer wanted or needed your permanent life insurance policy you were pretty much out of luck. You could lapse the policy or take the surrender value, if any was available. Today there are more options than simply walking away from an insurance policy you don’t want or need. » read on…

How life insurance is priced

Life insurance prices are based on your life expectancy, the face amount you request and the length of the policy. Because your current and past health conditions impact your life expectancy, insurance companies want to know as much as possible about your health condition. » read on…

You could add years to your life

We all know that eating well and exercising regularly will add years to our lives. Stress will reduce lifespan gains we could have made. Family health history also affects our longevity. But by how much?

Before I commit to a summer exercise regimen, I’d like to know exactly what it’s worth to me. » read on…

Look Ma, no butts!

An e-cigarette “starter kit” from E Smoke

When I first heard of “e-cigarettes” I assumed it was a Web site where you click on a picture of a cigarette and watch a puff of smoke come out. But e-cigarettes are very tangible and are marketed to solve the problems of the typical cigarette smoker – such as complaints from one’s family about the smell of smoke. » read on…

Insurance & special needs children

Facing the prospect of caring for a special needs child after you’re gone is daunting. But life insurance is all about planning for the generation after you. Combined with the right financial tools like trusts, guardianships and wills, life insurance ensures funding for your child’s future needs. » read on…