Indexed universal life insurance is a type of UL that has flexible premiums and death benefits. The cash value grows based on a portion of an index’s returns, and the policies have a floor, so the ...

Forbes contributors publish independent expert analyses and insights. True Tamplin is on a mission to bring financial literacy into schools. Life insurance is a crucial risk management tool within any ...

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Zack Sigel is a writer and editor based in New York City. He has been managing editor at Policygenius and M1 Finance, where he led teams specialized in writing about business and finance, and he has ...

Let's address the issue that has divided the insurance industry for decades: Should you buy whole life insurance to "be your own bank," or should you buy term insurance and invest the difference?

Ashlee is an insurance editor, journalist and business professional with an MBA and more than 17 years of hands-on experience in both business and personal finance. She is passionate about empowering ...

Discover the differences between permanent and term life insurance, including coverage duration, benefits, and costs, to determine which policy suits your financial goals.

Most term life policies don’t pay out — and that’s a good thing. Here’s what to consider as your coverage ends and whether it ...

Find out more about its costs and coverage options.