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Can anyone take out a life insurance policy on someone else?
Important things to know… The short answer is No There must be a relationship between the two parties such that the insured’s death would cause a loss to the policyholder This restriction makes life insurance a positive for society by preventin …
→ Read MoreAre life insurance premiums tax deductible?
Important things to know… The premiums for your life insurance for which you are the direct beneficiary cannot be deducted on your personal taxes The identity of the person paying the premium for your life insurance does not matter in terms of whethe …
→ Read MoreHow does a life insurance company make money?
Here's what you need to know… Insurance companies invest in actuarial research to compile together mortality tables that will help predict when an insured will pass away Once an insurance company accepts an application, the underwriter will revi …
→ Read MoreHow do I find affordable life insurance for families?
Here's what you need to know… Group life insurance benefits are advantageous to those who are eligible for them, but many policies have benefit restrictions and other limitations Many companies offer employees the option to buy coverage for them …
→ Read MoreHow do I find affordable life insurance for seniors?
Here's what you need to know… Life insurance rates are charged based on the applicant’s risk class and their age at the time of application Since life expectancy plays a huge role in how much you’ll pay for insurance, seniors tend to …
→ Read MoreHow do life insurance policies build cash value?
Here's what you need to know… Not all life insurance policies have a cash value but those policies that do are said to have a living benefit and a death benefit Cash value policies are called permanent life insurance plans and include both a pur …
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