Expert articles answering the questions people search most about life insurance. Written by Dev Gaymes, licensed insurance advisor since 2012.
If anyone depends on your income, the answer is probably yes. A clear guide by life stage.
Access your death benefit tax-free while alive for terminal, chronic, or critical illness.
3 types of no-exam policies explained: accelerated underwriting, simplified issue, guaranteed issue.
Diabetes, cancer, heart disease, depression. Your options and strategies for getting approved.
Options for ages 50, 60, and 70+. Final expense, guaranteed issue, and no-exam policies.
Real rates by age, health, and policy type. Plus 7 ways to lower your premium.
The DIME formula, income multiplier, and exact steps to calculate your number.
Side-by-side comparison of costs, features, pros and cons for each type.
A simple guide to premiums, death benefits, underwriting, and how policies actually pay out.
What's included, what's excluded, and the exceptions most people don't know about.
When death benefits are and aren't taxed. Estate taxes, cash value, and living benefit tax rules.
Primary vs. contingent, per stirpes vs. per capita, and the mistakes to avoid.
Can you buy a policy on your parents? Yes. Here's how, why, and what it costs.