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Life Insurance
Featured Blogs: Money for Life
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What’s the best kind of life insurance to buy?
Term insurance is pure protection, like fire insurance or auto insurance. Its sole function is to support your family if you die. You can buy large amounts of coverage for modest amounts of money — and big policies are what your spouse and children need. Most breadwinners are seriously underinsured, partly because they’re wasting their limited budget on cash-value coverage. Only with term will you be able to protect your family well.
Most term policies last for a certain number of years at a fixed price. Then the protection ends. If you still need coverage, you can re-up for another term at a higher price. At late ages, you usually don’t need life insurance anymore, so you can let the policy run out. If you do need protection, you can convert your term policy into no-lapse coverage at a reasonable price. Conversion rights usually end at age 65, 70, or 75, depending on the policy.
Excerpted from Making the Most of Your Money Now by Jane Bryant Quinn
Copyright 1991, 1997, 2009, by Berrybrook Publishing, Inc. Reprinted by permission of Simon & Schuster, Inc
Buy the BookEditor's Pick
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AIG Selling Unit for $15.5 Billion
The insurance company, which still owes taxpayers $100 million, will sell a second overseas life and health insurance group to MetLife. Plus: Why you're paying more for produce.
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AIG Deal to Help Repay Taxpayer Debt
The company is selling off its Asian life insurance unit for more than $35 billion, which will go toward the $129 billion it owes taxpayers. Plus: Consumer spending increases in January.
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Money Tips for Gay Couples
Money issues can be rough for any couple, but gay partners have special challenges to deal with. A guide to same-sex finances, from taxes to retirement planning. by Jeff Wuorio
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7 Best Annuities to Guarantee Income for Life
Receiving a monthly check from the day you retire until the day you die sounds mighty appealing. But signing up for an immediate annuity also means locking up your money with an insurer for decades. How can you be certain the company will still be around? Here are seven of the highest-paying...
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7 Insurance Myths That Can Cost You
Think you?re covered? Maybe not. Read these insurance misconceptions and be sure you have the right protection. by Arricca SanSone
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4 Easy Ways to Save Money
There's no time like the present to cross these four items off your to-do list, according to Ray Martin.
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Life Insurance and Annuities: Is AARP Looking Out for You?
We analyze whether the giant organization’s senior-focused life insurance and annuities are worth buying. Life insurance and annuities offer solutions to opposite problems: dying too young and living too long. If you’ve already built a nest egg and put your...
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Rebuilding a Small Business
Entrepreneurs around the country were hit hard by the one-two punch of the economic and real estate crashes, but Sam Cadelinia really took on the chin. As the owner of a California real estate agency, he was in one of the worst industries in the hardest-hit regions. Here's how he can rebuild his...
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Save for College and for Yourself
The Watts have ambitious savings goals: private school, college, and, of course, retirement. Here are the steps they need to take to achieve those dreams. Wild spenders? Hardly. Will packs his lunch every day, they don’t even own a TV, and “we never cut our son’s hair,”...
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How to Buy Life Insurance Wisely
Like many young parents, Dave and Vicky know they need life insurance but don't know how much they need or what type to buy. Here's what you need to know to buy wisely. by Kathy Kristof
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