What is Term Life Insurance? – Term life insurance means that the insurance is purchased for a certain number of years. If during that 10, 20 or 30 years the policy holder passes away, the beneficiary will receive the face value of the policy.

Do I need a Medical Exam for Life Insurance? – You probably will. Especially as you get older or your term policy expires and you still want life insurance.

How Much Life Insurance Do I Need? – An excellent question. It leads into two concepts to consider before you answer it.

The Difference between Term and Other Life Insurance Policies – The two basic life insurance policies are whole life and term. Everything else is a variation of these two types.

What Term is Right for You? – When you decide to purchase term life insurance you’ll need to decide what term length is right for your current life situation. In general, the more specific your need is the shorter the term can be.

At What Age Do I Need Life Insurance? – There is no exact age at which you will need life insurance. A simple answer would be that everyone needs life insurance, if only for the fact that everyone eventually passes away.

Do I Need Both Term and Whole Life Policies? – Life insurance is life insurance, right? Well, not exactly. There are two main types of life insurance that you need to be aware of: whole life and term.

What are the Tax Repercussions of the Life Insurance Death Benefit? – There is a simple answer to the question- Do I have to pay income tax on a death benefit?

What Riders/Options/Features are Available on Life Insurance Policies? – Riders to life insurance policies are additional benefits that can be purchased and added to an insurance contract. They provide additional coverage.

Do My Children Need Life Insurance? – Securing a life insurance policy for your children may seem like a morbid proposition, but in actuality it can be a rather smart investment.

Factors That Increase Premiums – There are many lifestyle factors that can adversely affect your term life insurance. Insurance agencies are technically allowed to discriminate against these lifestyle choices as long as they do so uniformly.

How Can I Fund My Life Insurance Policy with an Annuity? – With the economy so uncertain these days, many are turning to the safety and security provided by an annuity. These insurance products can help you greatly during your retirement years by providing a fixed income for you that you cannot outlive.

How Does the Medical Underwriting Process Work? – So you have applied for a term life insurance policy, and if you are like millions of others, you cannot be approved for the policy until you go through the medical underwriting process.

What if I Can’t Pay My Premium? – Let’s face it: emergencies come up and we don’t always have the money that we need for our bills. This includes life insurance premiums.

3 Keys to Finding Inexpensive Term Life Insurance – There are things you can do to make your term life insurance policy even more affordable. Keep these three keys in mind if you want to avoid paying more than you need to for your term life insurance.

50 Resources to Help You Understand Life Insurance Lingo – Life insurance can be confusing in the best of circumstances. We all know we need life insurance, but it can be perplexing to wade through the process.

46 Stories to Help You Better Realize the Importance of Life Insurance – A great deal of people may tend to think they do not need life insurance. They’re young, their children are young and they’re all in good health. They might even feel the odds are in their favor and the likelihood of a fatal accident is slim.

Don’t Be a Sucker – How to Avoid Life Insurance Fraud – If there’s money involved, there are folks out there who will try to find a way to take it. It’s true in politics, in entertainment, in sports, and even in life insurance.

Splittsville: How Does Divorce Change Your Life Insurance Needs? – Divorce isn’t cheap. You can walk into a county courthouse in most places in this country and walk out married for less than $100 or so. A divorce attorney is likely to charge twice that – per hour.

Why Do I Need a Will? – Thinking about putting together a will is a lot like buying term life insurance. It makes you think about your own mortality, and no one really enjoys that prospect.

5 Things to Remember when Buying Term Life Insurance – Shopping for term life insurance will not win any fun awards. With so many options to choose from, one could get lost in the sea of quotes, rules, and rates.

What an Insurance Agent Does for You – The friendly insurance agent, who you develop a long-term relationship with and who is someone you personally know and trust, is becoming something of a thing of the past. In many ways, this particular change may not be a good thing.

The Easiest Way to Get Life Insurance – If you’ve considered getting life insurance but haven’t done it yet, you need to figure out that there may be some specific things that are holding you back

7 Most Important Things to Know About Life Insurance – Maybe you haven’t thought about life insurance much. Maybe you’re not “lucky” enough to have a family member who’s an agent barking at your door, or maybe you’re still young and don’t have family to worry about.

Matthew G Young – TermLifeInsurance.org Expert is a New York State licensed Life, Accident, and Health Insurance agent. He is also the author of The Complete Guide to Investing in Annuities: How to Earn High Rates of Return—Safely. Matthew currently resides in Western New York with his wife and family.