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    • Life Insurance

    Explores life insurance policies, including employer plans, cash value, and regulatory rules.
    Finance

    What Happens If Life Insurance Lapses?

    by Cora Vandenberg | 15 October 2023
    A life insurance lapse means your coverage has ended because you stopped paying premiums, and the death benefit is no longer payable to your beneficiaries. If you die after the...
    Finance

    What Is The Age Limit For Life Insurance?

    by Julie Freese | 15 October 2023
    There is no universal legal age limit for life insurance, but the practical maximum age to buy a new policy depends entirely on the insurer and the specific product, with...
    Finance

    What Is A Direct Term Life Insurance Policy?

    by Florie Comeaux | 15 October 2023
    What Is a Direct Term Life Insurance Policy? A direct term life insurance policy is term life insurance purchased directly from an insurer or a licensed online marketplace, without an...
    Finance

    What Life Insurance Policy Can You Borrow Against?

    by Daisie Eskridge | 15 October 2023
    You can borrow against permanent life insurance policies that build cash value, specifically whole life, universal life, variable universal life, and indexed universal life. Term life insurance cannot be borrowed...
    Finance

    How To Use Life Insurance To Build Wealth

    by Jodie Hopp | 15 October 2023
    You can use life insurance to build wealth by purchasing a permanent policy that accumulates cash value, then accessing that cash value through loans, withdrawals, or a policy-linked line of...
    Finance

    What Is The Replacement Rule In Life Insurance?

    by Sheeree Marlow | 14 October 2023
    The replacement rule in life insurance is a state-regulated set of disclosure and review requirements that apply when a new life insurance policy is issued and an existing policy is...
    Finance

    What Is Churning In Life Insurance?

    by Libbey Burton | 14 October 2023
    Churning in life insurance is the unlawful practice of using an existing policy’s cash value, loan value, or dividend value to purchase another policy with the same insurer, primarily to...
    Finance

    What Is A Life Insurance Illustration?

    by Roshelle Claxton | 14 October 2023
    A life insurance illustration is a projection of how a policy’s premiums, death benefits, and cash values may perform over time, and it is not a promise of actual results....
    Finance

    What Is EOI For Life Insurance?

    by Wandis Aston | 14 October 2023
    What Is EOI For Life Insurance? Evidence of Insurability (EOI) for life insurance is the underwriting step where the insurer reviews your health information to decide whether to approve your...