Different Types of Life Insurance Riders Explained
Posted: December 22, 2025
Accelerated Benefits: Access to Benefits While You’re Living Accelerated benefit riders let you take a portion of the death benefit early if you face a qualifying health event. Terminal illness riders typically require a physician’s certification that life expectancy is 12–24 months or less, depending on the carrier. Chronic illness riders generally follow tax code definitions of being unable to perform two or more activities...
Life Insurance Options for High-Risk Jobs
Posted: December 7, 2025
Insurers care less about your job title and more about what you actually do, where you do it, and how often. High-risk commonly includes construction trades (ironworkers, roofers, tower climbers), first responders, pilots and flight crew, commercial divers, offshore/oilfield roles, and certain utility and logging work. Underwriting flags focus on duties (heights, confined spaces, explosives, aircraft, underwater tasks), environment (remote sites, extreme weather, open water),...
5 Reasons Why Life Insurance is Essential for Your Family’s Future
Posted: November 22, 2025
Life insurance is a valuable financial tool to help you protect your loved ones. It can provide peace of mind, stability, and long-term benefits that go far beyond a single payout. Whether you are starting a family or planning for retirement, the right life insurance policy can help ensure financial security for years to come. The following are five key reasons why life insurance is...
Adjusting Life Insurance Coverage After a Pay Raise
Posted: November 7, 2025
A salary increase can be a cause for celebration. It reflects your hard work and dedication and provides new financial opportunities. It also changes your overall financial picture, making this a good time to review your life insurance coverage. Lifestyle, responsibilities, and long-term goals can change as your income grows. Reviewing your policy after a pay raise can help protect your loved ones. How a...
What to Expect in a Life Insurance Medical Exam
Posted: October 22, 2025
When you apply for life insurance, you will likely be asked to take a medical exam. The insurer will use the results of this routine checkup to help determine whether to sell you a policy and what your premium will be. Here, we explain what to expect and how to prepare for the exam. Why Do Life Insurance Companies Require Medical Exams? Essentially, a life...