But there are several reasons why you should consider buying life insurance. It offers a level of protection that few other investments can give. To determine what kind of life insurance is best for you, we first need to define the two primary types of life insurance.

Term Insurance

Term life insurance can be purchased in blocks of years ranging from five years up to 30 or 40 years. Term life insurance needs to be renewed every year, but most policies allow for automatic annual renewal. The automatic annual renewal feature runs out when you are age 85 in every state except New York, where the age is 80.

Term life insurance offers no face value to anyone except the beneficiary in the event of the insured’s death. Your premiums are usually re-evaluated every year and can go up from time to time. But no matter how high the premiums get on a term life insurance policy, it is always cheaper than a whole life policy.

Whole Life Insurance

Whole life insurance has some significant differences from term life. Whole life premiums never go up and, as long as you pay your premiums, the policy is in effect. Part of a whole life premium is an investment account that appreciates in value as you pay your premiums. The insured can take out loans against the cash value at any point and for any reason.

Another feature of whole life is the ability to borrow against the death benefit. If the insured needs to pay a significant expense such as a home repair or a child’s college tuition, then the money can be borrowed against the death benefit of the whole life policy. As long as the policy is in effect, the loan does not necessarily have to be paid back. But if you do not pay the loan back, then it comes out of the death benefit when you pass away. For example, if you borrow $100,000 against a $150,000 death benefit to buy a home and never pay the loan back, then your beneficiary would only get $50,000 upon your death. The loan would need to be paid back if you canceled the policy.

So why would you need either of these life insurance policies? There are very good reasons why you should consider buying both term and whole life insurance policies while you are still in good health.

Protect Investments

When you buy a home, start a retirement fund or start saving for your child’s education, you do so under the impression that you will be there to see those things through to the end. But what if something were to happen to you before you finished saving?

A term life insurance policy is an inexpensive way to protect your child’s college savings, make sure the family home is paid for if something were to happen to you while the mortgage was still in effect or help your spouse to see your retirement plans through even if something were to happen to you.

A 30-year term life insurance policy on a 30-year mortgage will make sure that your spouse and children do not lose the home if something were to happen to you. If you put a 20-year term life insurance policy on your child’s education fund, then you can make sure that your child receives the education he needs even if you are not there.

Estate Planning

A whole life insurance policy is an excellent way to ensure that your heirs get your estate without having to worry about legal problems with a will or other potential issues. You can use the death benefit and investment portion of whole life as an estate planning tool that will give you a safe place to invest your money while preparing for the future of your children. The death benefit can be seen as added value to an estate that can grow with the investment gains of a whole life policy.

Life insurance may not seem like something that is right for you or your family. But if you have any kind of investment or income that is worth protecting, then you need to look into life insurance.

Whole life insurance policies, provide both a death benefit and cash value. Your monthly premium is higher, but your policy is an actual asset and will increase in value over time. The fact that your whole life insurance policy is an asset gives you a major advantage, in that it is something you can cash in or borrow against in an emergency. Of course, the death benefit will be reduced proportionately if you reduce the value of the policy by cashing in some of its equity. If you die before the loan is repaid, the balance due would be taken out of the death benefit, with the remainder distributed to your heirs

• Borrowing against Life Insurance There are many different types of life insurance, but the biggest factor to consider when purchasing a policy is whether to get term or whole life.
• How To Borrow From Your Life Insurance Policy If your insurance policy has a cash value, you may be able to borrow against it for quick cash at very low interest. You must be the policy’s “owner” to borrow.
• Should you borrow against your life insurance? Actually, borrowing against your life insurance is one of the things whole life, universal life, and variable universal life polices are designed for.
• Borrowing from Your Life Insurance Many times in life circumstances arise that require considerable sums of money in order to handle.
• Borrowing Against Your Life Insurance Policy When life throws you the proverbial curve ball and you need money immediately for bills, medical expenses or other problems, you might not have a whole lot of options.
• Can You Borrow Against a Term Life Insurance Policy? Before discussing whether or not you can borrow against a term life policy, you need to some basic information about these types of policies.
• Should I Borrow Against My Life Insurance Policy? Borrowing against your life insurance is like paying your bank to borrow money from your passbook savings (except your savings account probably pays more interest than your insurance policy, according to the Federal Trade Commission).
• Borrowing Against Life Insurance Policies When the current economic growth drags and your resources are hitting the all time low, borrowing from life insurance can seem a smart option.
• Debt Consolidation Loan or Borrow Against Your Life Insurance Policy? Debt is one of the biggest financial problems of our time and one of the most popular ways to handle the debt is to get a debt consolidation loan. However, borrowing against your life insurance policy can be a better solution.
• Can you borrow against life insurance if the place your work is the one paying for the policy? Most life policies at work are group term policies which don’t build cash value. If that’s the case, then no, you can’t borrow what’s not there.
• If You are Thinking About Borrowing Against Your Life Insurance If you have a cash value life insurance policy you may be able to either take money out of the policy or taking a loan out against the policy to help pay for your child’s college tuition.
• Borrowing Against Insurance Cash value life insurance products — such as whole life or universal life (but not term) typically allow the policyholder access to a portion of the funds in the account
• Borrowing Against Life Insurance Several years back, my husband and I needed some extra money and our financial advisor suggested that we borrow from a life insurance policy that had a cash value.
• How To Borrow Against a Life Insurance Policy’s Cash Surrender Value The cash surrender value of an insurance policy is basically the amount that can be availed of in case of cancellation of the policy.
• Whole Life Insurance: Borrowing Against Your Policy So last week, Tony Forcucci at The Anthidote Report left this interesting comment on my Sitting Pretty post that mentioned the debate between Term Life insurance vs. Whole Life insurance.
• Borrowing Against A Retirement Plan To Make A 20% Down Payment My wife and I are currently contemplating an interesting question: should we borrow against our retirement plans in order to make a 20% down payment and avoid PMI or an adjustable rate mortgage?
• Life Insurance: Coverage for you and your family When you have family members depending on your income, saving for the future of your loved ones is a good idea. Investing in life insurance will give you enough financial support to take care of the future of your loved ones when you are no longer around.
• Should I Borrow From My 401k Plan? When you contribute to your 401k, you are doing so with pre-tax dollars. However, when you are paying back the loan, you are doing so with after-tax dollars and you’ll get taxed again when you finally withdraw the amount during your retirement.
• Borrow from your IRA With hard economic times, there are a lot of people trying to find ways to borrow from their retirement funds. Many 401k accounts allow this, but what if your money is in an IRA?
• 5 Life Insurance Strategies for Retirement Planning When the nest empties, the need for life insurance diminishes. Baby boomers and retirees should think strategically about existing life insurance policies and future life insurance needs. Here is what to do with a life insurance policy as you approach retirement.
• 5 Aug Borrowing Against Home Equity – The Dangers During these times, borrowing money from the bank can be quite the slippery slope. A good way to get yourself in money trouble at a later date is to borrow against the equity of your home.
• Surrendering Your Life Insurance Policy If you no longer need life insurance or want to cancel for some other reason, you might be thinking about surrendering your permanent life insurance policy and withdrawing the cash value that has accumulated. But before you do it, here are some things you should consider.
• Nine Ways to Cut Your Credit Card Debt- Borrow from life insurance If it seems like you’re drowning in credit card debt and you’ll never get out, don’t despair. We have 9 ways that you can get rid of your debt, even if you think you don’t have any extra money.
• Life Insurance – Whole versus Term and choosing the right option First and foremost, we buy life insurance to provide for our families in case we pass away unexpectedly and cannot provide for them any longer.
• Retirement Plans and Saving for College Normally, if you withdraw money from a traditional or Roth IRA before you reach age 59-1/2, you would pay a 10% early distribution penalty on the distribution, in addition to any regular income tax due.
• I know I can borrow against my 401(k), but can I borrow against the value of my 529 account? No. Section 529 plans do not allow loans against an account’s assets. You can, however, make withdrawals from the plan to pay for qualified educational expenses.
• Why You Should Take Out Life Insurance on Your Kids Some children’s insurance policies build cash value, which they can use for school or other purposes. Of course, term life insurance policies don’t do this, but if you invest in a whole life insurance policy for your child, she will be able to borrow against the cash value, or simply cash out of the policy if she wants to.
• How soon after you get a whole life insurance policy can you borrow against it? There are no tax penalties, but why would you want to borrow against it?  You will basically be charged interest on the money your paying to the insurance company to begin with.
• 6 Ways to Save Money on Your Life Insurance Life insurance is always a very touchy subject, some feel it’s not needed while others argue that it is an important part of your financial plan. Often people are unsure how life insurance fits in their finances, everyone has unique needs and there is no “one product fit all” policy.
• Debt Consolidation One of the traps that many people fall into when it comes to debt is not having any cash reserve or emergency fund set aside. If you have no money set aside for emergencies you’re going to be in trouble when life’s unexpected crisis happen.
• Does it affect my credit rating if I borrow against my life insurance policy instead of getting a home equity loan? Borrowing against life insurance is NOT a good idea. There is a limit as to how much you can borrow and the interest is not deductible
• Borrowing Against your Life Insurance There are many methods of providing income for yourself that are more tax effective than working. Borrowing against your life insurance is one of them.
• How To Squeeze Cash Out Of Thin Air During The Credit Crunch After a long binge of borrowing, U.S. consumers face a credit crunch and a sagging economy. To sustain their living standards, many Americans are doing what comes naturally: scrambling to raise more cash.
• Guarding Against Life Insurer Demise If you hold a universal life, whole life, or other life insurance policy with a substantial cash value, I suggest moving double quick to:
• Borrowing against your life insurance? Is it really possible to borrow as an example, I purchase a 200K whole life insurance, and then borrow lets say, 100K and have the option of either paying it back + interest or just pay the interest?
• How Life Insurance Works Life is one big question mark: Will you be happy? Will you find love? Will you star in a reality TV show? Who knows? The only thing we can be sure of in life is that someday it will end. When, where and how are yet to be played out.
• Life Insurance and Your Home Trading up to a new home — and a bigger mortgage — means your family will need more money to remain in the home they love should something happen to you. Increasing your life insurance coverage to make up the difference can help your family continue to meet mortgage payments and remain in your home.
• The facts of life insurance – understanding the pros and cons of various policy types Life insurance is one of the financial basics that everybody needs–right? Well, as the song goes, “It Ain’t Necessarily So.”
• Borrowing Against your Life Insurance Because permanent life insurance policies result in the accrual of equity in a savings account, that account becomes an asset that may be used to acquire a loan.
• Borrowing against a life estate in a house Your question mixes two concepts: trust and life estate. While they are similarities there are important differences. A trust is generally created under a will (testamentary trust) or under a trust agreement (contract) created during life (an inter-vivos trust) or under a deed.
• Advantages and Disadvantages of Borrowing Against Your 401k If you are in the position of being bitten by the the economic “crunch,” you are probably in the position of trying to find possible revenue streams to help you get through these times.
• Cashing In Your Life Insurance Policy In tough economic times, people are sometimes left scrambling for cash to meet everyday expenses and lifestyle demands. Your life insurance policy is a possible source of funds – but should you tap into it?
• Whole life insurance makes a comeback In recent years, whole life insurance policies haven’t been among the most popular types of life insurance to purchase because of their high-cost.
• Borrow from life insurance Previous research has examined the demand for life insurance policy loans using aggregate policy loan data.
• Universal Life Insurance and Whole Life Insurance: A Comparison So you think you need life insurance, or you know it is time to review the insurance coverage you currently have (which is something you do every few years, right? Right).

Image Credits: http://www.flickr.com/photos/zol87/4696411849/

With such a drastic shift in the economy there has also been a shift in what finances retired couples have to live on.  And because the quality of life in this country has never been better or more expensive to maintain, life insurance is very important but a very difficult process with many difficult decisions to make.  Here is a list of 43 blogs reviewing the best life insurance plans for older couples to aid in that process.

1. Term Life Online – This blog gives warnings about specific life insurance policy limitations for older couples and seniors and sources for rate quotes.
2. Benefit House – This blog gives information about life insurance services for older couples that promise no hard selling and no medical exams are required.
3. Suite101 – This blog is a guide for how older couples can get the best deal and save some money on their life insurance purchase.
4. Senior Life Insurance Review – This blog reviews Medicare supplemental life insurance and what each part will cover.
5. ArticlePinch – This blog explains joint life insurance and why it is a very favorable option for many older couples.
6. InetList – This blog is about how to navigate through competitively priced life insurance and what options you may have as a couple.
7. Term Life Insurance Quote – This blog explains what term life insurance is, what it covers why it is the best, and why older couples need it.
8. Zunley – This blog covers which types of life insurance options are best for all stages of life including working and retired older couples.
9. Vitality – This blog has a comprehensive explanation of term and whole life insurance policies for older couples who are California residents.
10. Steve’s Blog – This blog is about how older couples who are not prepared may need to depend on outside family and friends rather than the safety net that life insurance provides.
11. Universal Life Insurance Quote – This blog gives simple explanations of the best types of life insurances available to older couples.
12. Compare Medical Insurance Plans – This blog compares different types of life insurance plans and pairs them with different ages of people including the elderly and older couples.
13. Level Term Life Assurance – This blog was written with the intent focus on older couples and if joint life or two single life insurance plans are really best.
14. Life Insurance for Senior Citizens – This blog has real facts for older couples about which life insurance policies are best and what should be important at this stage in your joint life.
15. Life Insurance No Medical Exam – This blog is a guide to the five steps of informed decision making about the best life insurance for older couples and other demographics.
16. AARPHealth Insurance – This blog is about the different plans under the Medicare life insurance plans and why they may be the best choice for older couples as supplemental life insurance.
17. Stumble Forward – This blog lists 7 reasons why term life insurance is the best for older couples.
18. Ensuring the Life – This is a blog about term life insurance for older and elderly couples and why this type of life insurance is often the best choice.
19. Roof Cost – This blog explores the most necessary types of insurance that older couples and elderly persons should have in order to be prepared and prepare their families for future and final expenses.
20. EzineMark – This blog is about variable life insurance and why it is important to read the entire policy before committing as it may not be the best for every older couple.
21. Gaudette Life Insurance – This blog is a guide for older couples who may not know a lot about their options and what is best when purchasing life insurance.
22. Insurance Coverage – this blog gives an overview of a recent poll and gives some oversight of some life insurance types and which may be best for different types of people including older couples.
23. Health insurance Products – This blog explains what an older couple may need to consider using life insurance for in order to consider which policy may be best for them.
24. 10 Minute Term Life – This blog takes an investigative look at whole life insurance with no physical exam and exposes whether older couples are being scammed.
25. Inexpensive Term Life – This blog has tips for older couples who are shopping inexpensive life insurance and want the best deal and the best features to fit their lifestyle and needs.
26. Life Assurance Quote – This blog discusses the joint life vs. the single life option for older couples and weighs which may be best for some.
27. First insurance – This blog explains why a joint life first death policy is best for older couples than many that have two single life policies.
28. Best Life Insurance – This blog gives advice to older couples about the advantages and disadvantages of buying life insurance policies online.
29. Article of Insurance – This blog gives older couples the tools and advice needed to choose the best possible life insurance policy they can for their budget and needs.
30. More Than Life Insurance – This blog give older couples a few links and suggestions about finding the best term whole life insurance rate quotes and policies.
31. Cheap Insurance – This is a blog that teaches older couples a few tips and tricks for finding the best life insurance for the least amount of money needed.
32. Article Den – This blog shares the secret that the best life insurance you can buy is the policy that an older couple buys together.
33. Facebook Sniper – This blog explains how older couples can obtain favorable rates for term life insurance by following a few simple suggestions.
34. Group Universal Life Insurance – This blog is about those older couples who are still employed and considering group life insurance under their employers.
35. Life Insurance Pro – This blog explains factors that raise premiums, how to find term life quotes and gives older couples helpful links for aid in Idaho.
36. Best Life Insurance – This blog explains the coverage under the controversial AARP life insurance program and if older couples will really benefit from it.
37. Insurance Plan Avenue – This blog explains the reasons why term life insurance is an older couple’s best bet for affordable and lasting coverage.
38. Best Insurance Tips – This blog examines why life insurance for older couples really is the best investment you can make as soon as possible.
39. Blog About Everything – This blog gives older couples the tools to compare online life insurance offers to find the best deals.
40. Pillow Talk Media Blog – This blog is about the advantages and disadvantages of guaranteed acceptance life insurance for older couples and if it is the best option.
41. Insurance Online 101 – this blog gives older couples the power to search for the best life insurance without leaving the comfort of their homes with rate quotes in mere minutes.
42. Global Life Insurance – This blog gives older couples tips about how to get the best life insurance quotes in order to make an informed decision about their joint needs.

Image Credits: http://www.flickr.com/photos/hygienematters/4275577339/

Life insurance is an important part of financial planning. However, many adults have a hard time finding affordable rates. Many times this is due to age or health. Sometimes it can also be because of the individual’s occupation. Sometimes a fatal disease puts an individual at “high risk”. Whatever the case, several individual’s find they are unable to purchase life insurance through traditional means. These articles give ideas and strategies to help these people purchase life insurance at affordable rates. If you fall into one of these groups or know someone that falls into one of these groups, read these articles.

1. Why Seniors Choose Whole Life Insurance Instead Of Term – Learn why seniors choose whole life insurance plans instead of term policies. This should help seniors make educated decisions about life insurance.
2. LifeInsure – If you are looking for information about life insurance this is the blog for you. Stop here to find out ideas, tips, and news about life insurance. This blog should help you make an educated decision about purchasing a life insurance policy.
3. The Unique Insurance Blog – This blog gives information about all types of insurance. You will find information about life insurance, auto insurance, and health insurance on this blog.  Read this blog before you make any important decisions.
4. Insurance Blog – Insurance blog gives consumers tips and advice about purchasing insurance. Check this blog in order to make an educated decision concerning your purchase.
5. Life Insurance For Smokers – This post gives smokers information about how to get life insurance as a smoker. Learn how to get decent rates from this post.
6. Rules of Life Insurance – If you are considering purchasing life insurance, this blog is one that you must read. It gives basic information related to purchasing life insurance.
7. Can Soldiers Get Life Insurance In Time Of War ? -This blog post gives information for people that are in the military and looking for life insurance. Read this blog to discover what your options are.
8. Life Insurance Blog – Learn everything you need to know to make an educated decision about your life insurance purchase. Discover scams to watch out for and recommended plans to buy.
9. Life Insurance Quotes Blog – Get information about life insurance from this blog.  You’ll learn about all the different types of life insurance from reading this blog.
10. Senior Life Insurance-Retirement Income Blog – This blog gives seniors information about purchasing life insurance policies.  You will also get advice about how to use the policies that you already have.
11. Life Insurance Over 50 – This blog gives people over 50-yrs old information that can help them purchase life insurance. This blog provides seniors with the options that are available to them.
12. Buying Life Insurance When You Have Asthma – Get information about purchasing life insurance when you have asthma.  This article gives information designed to let you know about your options.
13. Affordable Life Insurance For Asthma Sufferers – If you suffer from asthma, you may have trouble finding an affordable life insurance policy. This site gives information about life insurance options for asthma sufferers.
14. Life Insurance For People With Cancer – This page discusses life insurance options for people who have been diagnosed with Cancer. While this may be a difficult time in one’s life, it is important to make sure that all of your bases are covered. This article gives you tips on how to do that.
15. Suze Orman Talks Life Insurance And Votes For Level Term – This post gives suggestions about types of life insurance to buy. A popular financial expert gives her opinion about which type of insurance to buy and why.
16. HIV and Insurance – If you have been diagnosed as HIV positive, you might have a hard time purchasing life insurance. This site gives you some ideas about what options are available to you even though you have been diagnosed with a terminal illness.
17. Your Insurers Are Not Necessarily Your Friends – This post gives tips about the importance of maintaining your insurance policy while you are HIV positive. It tells of one man’s horror story when he didn’t pay attention to when his payment was due.
18. South Africa, Life Insurance For HIV-positive People, At A Price - This post talks about how Insurance companies discriminate against people who are HIV-positive. This post also describes how people who are HIV-positive often have to pay exorbitant amounts for life insurance.
19. Will I Be Denied Life Insurance Because Of Herpes? – People that have been diagnosed with an STD may have questions about whether or not they qualify for life insurance.  This page provides some answers to those questions.
20. HIV and Insurance – This site discusses the ramifications a positive HIV test can have on different types of insurance policies. Learn how a positive HIV test can affect your ability to get life insurance.
21. Prudential Offers Life Insurance to HIV Positive In the UK – This article describes a life insurance option for HIV positive people. The only catch is that they will pay higher premiums than people who are HIV negative.
22. The Effects Of High Blood Pressure On Insurance Rates – This blog discusses the impact that having high blood pressure can have on insurance rates. Persons living with high blood pressure should read this so they can be aware of the obstacles they may face when hunting for an affordable life insurance policy.
23. Looking At High Blood Pressure – This blog gives insight on how living with high blood pressure affects your life insurance premiums. This article describes steps that insurance companies often take to help people with high blood pressure decrease their blood pressure.
24. Hypertension Life Insurance – Having high blood pressure can also mean having high life insurance rates. This post gives more information about how people living with this condition can get life insurance policies.
25. Life Insurance For Firefighters – While being a noble profession, being a fire fighter is a dangerous position. People in these positions often have a hard time finding life insurance.  Read this for information about how to acquire life insurance.
26. How Does High Risk Life Insurance Work? – This page gives information about how high risk life insurance works. If you’ve been denied due to being in a high risk group, you will want to check this site out for information to help you make an educated buying decision.
27. Life Insurance For Diabetics – If you have been recently diagnosed with Diabetes, you already have a ton of things to think about. You have to change your diet, learn how to take insulin, and monitor your blood sugar. Life insurance shouldn’t be difficult to find. This post gives you more information about purchasing life insurance.
28. High Risk Life Insurance – This site gives information about life insurance for high risk individuals. There are tons of articles on this site related to life insurance for people that have a hard time getting life insurance.
29. Life Insurance Star – This site gives information about high risk insurance for individuals that have a hard time finding insurance. Check this site out in order to find out what your options are.
30. Life Insurance Articles – If you’re looking for information regarding life insurance.  This information is about any type of life insurance you need.
31. Life Insurance For Pilots – If you are a pilot, you may have a hard time purchasing a life insurance policy. This site gives you information about how you can buy a life insurance policy.
32. Why Do Pilots Pay More For Life Insurance? – If you are a pilot that has been searching for life insurance, you may be wondering why the rates quoted to you are so high. This article gives insight on that question.
33. Global Risk Broker – This site has lots of information about life insurance. This gives relevant information to people interested in purchasing life insurance.
34. Why Is Life Insurance More For A Smoker? – If you are a smoker that has been looking for life insurance, you may have received a high quote. This article explains why that is.
35. Life Insurance For Cancer Survivors – This article gives Cancer survivors relevant information about life insurance. Stop here for information that will help you buy life insurance.
36. Life Insurance Strategies For Cancer Surviors – This article gives some practical advice for people that have survived Cancer. If you are looking for life insurance, this article will help you with that.
37. What Cancer Survivors Should Know About Obtaining Life Insurance - If you are fortunate to have survived cancer, congratulations on your victory over a terminal illness. If you are trying to purchase life insurance, you may have hit some brick walls. Here is an article with some information to help you get the life insurance you need to protect your family.
38. Cancer Insurance Life Policies – If you have been looking for life insurance for a cancer survivor, chances are you haven’t had much success. This article gives tips on finding life insurance policies for cancer survivors.
39. The Preferred Plus Type 2 Diabetic – People living with Type 2 Diabetes often have a difficult time finding life insurance. This post describes some options for certain people with Type 2 Diabetes.
40. Life Insurance For Diabetics – This article provides information that diabetics need to know about when they are shopping for life insurance. It lists key factors that determine the rates diabetics pay.
41. Life Insurance For Diabetes – If you are looking for life insurance while living with diabetes, it can be a challenge. This article gives some pointers on how to find affordable life insurance.
42. Life Insurance With And Without A Medical Exam – There are times when it is desirable to get life insurance without having to take a medical exam. This article explores the pros and cons associated with both taking a medical exam and not taking a medical exam.
43. Life Insurance Scams To Watch Out For – When you belong to a high risk group, you may be targeted for a life insurance scam. Reading this article will let you know what to watch out for when looking for life insurance.
44. What About Life Insurance Companies That Advertise No Physical Exam? – You have probably seen the commercials on television yelling about how you can get life insurance with no medical exam. Read this article before you make that call.
45. The Lowdown On Life Insurance Exams – If you are getting ready to buy a life insurance policy, you may be required to take a medical exam. This post gives you the information you need to know about the exam and ways to avoid an exam.

Image Credits: http://www.flickr.com/photos/craigloftus/4674465727/

Many times people do not think about purchasing life insurance for the inevitable event of their death. It may seem morbid, yet having proper life insurance or assurance coverage provides the loved ones left behind with peace of mind and paid expenses, rather than the burden of debts in the midst of grieving. Life insurance policies are available in a variety of types, such as term, whole, and universal life insurance. Rates vary based on the individual’s circumstances and needs. Technology makes it possible for consumers to obtain life insurance quotes, as well as to find and purchase life insurance policies online. This article provides a list of 46 blogs and articles covering a variety of information related to life insurance policies.

1. Saving You Money for Life
   Sponsored by AccuQuote, this blog offers information about term life insurance for Americans. The goal of AccuQuote is “to make the process of buying term life insurance as easy as possible” through this blog of posts and podcasts.
2. 81 TN Blog: Finding Cheap Life Insurance is Easy
   This blog features a number of healthy living tips, among other topics.  For instance, the blog includes a few articles specifically addressing tips for finding life insurance.
3. Tips and Techniques to Lower Life Insurance Rates
   One article included on the blog addresses tips for lowering life insurance rates, including an emphasis on the availability of a “no exams” online life insurance policy.
4. Just the LSM Insurance You Need
   This blog features the Lorne S. Marr insurance team, a leading life insurance company in Canada.  They provide term life insurance tips and quotes for both Canadian and American customers.
5. Buying Insurance Online
   This blog specifically focuses on providing tips for buying insurance policies online.  Among the tips included are discussions of choices, definition of special policies, collection of the best quotes, and  explanations about how to “select a policy with a secure and trusted insurance company.”
6. Light Within: Life Insurance
   This blog’s author wrote this article to discuss the importance of buying life insurance, referring to it as life “assurance” for those left behind. He emphasizes the availability of online insurance policies, but reminds people to make “an informed decision.”
7. Tan Kin Lian’s Blog: Insurance Questions
   Tan Kin Lian, the blog’s author, has over 30 years of experience in the insurance business, including his position as CEO. In this blog, he answers important questions about life insurance, as well as other types of insurance.
8. 3 Ways to Protect Yourself with a New York Life Insurance Quote
   This blog’s author, Malim Sempurna, congenially named his blog, “Welcome to my Blog.” In this article, he presents three considerations for making it a priority to obtain life insurance quotes.
9. Doll’s Village: The Importance of Life Insurance
   This blog represents a community of women who address life and lifestyle issues of importance. In this article, the author emphasizes the importance of life insurance and provides a link to another resource.
10. Orlando Frasca “The Insurance Guy”
    Mr. Frasca, an “internationally recognized insurance broker,” authors this blog. In this article, he covers the key points of term life insurance and emphasizes when it comes to insurance policies, “one size does not fit all.”
11. Wholesale Insurance.net
    The Wholesale Insurance team provides readers with valuable information regarding finding the right term life insurance. In addition, they include a comprehensive online quoting system to help consumers find the right insurance policy to fit their needs.
12. Financial News: Affordable Term  Life Insurance Quotes
    The blog’s author draws from other resources to post relevant news and tips here on such subjects as life insurance. In this article, the author discusses the differences between universal and variable universal life insurance.
13. Faith and Finance: Term Life Insurance
    The blog’s author discusses various financial matters, including life insurance. In this brief article, the author addresses term life insurance and provides a link to a more in-depth blog.
14. LifeInsure
    The blog’s authors have 50 years of experience in the life insurance business. Together, they strive to provide the most accurate information and help people find the best life insurance policies to meet their needs.
15. InsWeb’s Insurance Blog
    Headlining as “the Web’s #1 insurance blog,” this blog features numerous articles, as well as videos and a free quote application online. A recent video (posted in June, 2010) features a discussion about finding cheap term life insurance.
16. Money for Life Blog: On Whole Life Insurance and Universal Life Insurance Fees
    This blog’s author, Jeffrey Reeves, is a published author who also has over 30 years experience as an insurance and financial advisor.  He features life insurance articles on his blog, including this one in which he distinguishes between whole life and universal life insurance.
17. The Insurance Blog: Why You Need Life Insurance Quotes
    The blog author provides numerous articles on details of life insurance and its importance. In this particular article, she emphasizes that life insurance is to assure provisions are in place for the family members left behind.
18. Insurance Industry Blog: Life Insurance
    This blog covers various types of insurance, including life insurance. The author’s goal is to provide accurate and timely information and tips about insurance, such as this series of posts about life insurance asset accounts.
19. Spare Time: Methods to Acquire Over 50 Life Assurance
    This blog’s author, Anton Brule, strives to provide quality information on a variety of topics. In this article, he explains the methods to acquire the best term life insurance policy for people who are over 50 years old.
20. Life Insurance Blog
    As its name implies, this blog is all about life insurance. The blog’s author covers numerous topics, including why people should purchase life insurance, different types of life insurance, rates, companies, and purchasing policies online.
21. Term-Life-Online.com
    This blog is a comprehensive resource for those seeking information about term life insurance online. The blog includes numerous articles on a variety of related topics, offers tutorials about term life insurance, and provides opportunities to request quotes and purchase policies online.
22. Compare-International-Insurance.com: The Life Insurance Insider
    This blog offers comparisons and contrasts among various types of insurance from around the world, including life insurance. This section provides a variety of articles about the purpose and types of life insurance, discusses how to lower insurance premiums, and provides tips about how to purchase life insurance policies online.
23. Best Life Insurance Blog
    This simple, straightforward blog addresses commonly asked life insurance issues. Among the topics covered are the need for life insurance, different types and rates of insurance policies, and acquiring the best life insurance agent and policy.
24. InsuranceBrokerIndia.com: Group Life Insurance
    This blog based in India represents a group of professional brokers, dedicated to acting as an agent between insurance companies and consumers interested in purchasing life insurance policies. This particular section focuses on providing companies with group life insurance policies to offer to their employees.
25. Mintel Global Market Navigator: Swedes Hook Life Insurance
    This blog, hosted by the Mintel Company; addresses global marketing issues, including life insurance. In this article, the author addresses the importance of life insurance even in Sweden, which statistically has a reputation for its citizens living longer, healthier lives.
26. CompassQuote Blog: Term Life Insurance in Plain English
    Hosted by CompassQuote.com, this blog features a number of articles on life insurance topics. This particular article explains what term life insurance is, what it covers, and wraps up with a video from financial advisor Dave Ramsey about why life insurance is important.
27. Albany Insurance Professional
    Ryan Hanley is the insurance professional and author of this blog. He combines articles, videos, and other resources to provide information for people on insurance topics, including this section specifically on life insurance.
28. LeadingInsuranceQuotes.com: Life Insurance
    The goal of this blog, according to the authors, is to provide clear, easy to understand language about insurance, with the best rates available on the Web. This section especially addresses life insurance and provides information about how much coverage is necessary, and how to obtain quotes for the best rates.
29. Insurance Blog: Life Insurance
    This blog provides information on various types of insurance, including life insurance. This section covers related issues, such as why life insurance is important, the various types of life insurance and how to find affordable life insurance policies.
30. Healthcare Information Directory: Affordable Life Insurance
    Since health and life insurance are connected, this blog contains information on both subjects. This section addresses finding affordable life insurance, suggesting that the best way to find it is online.
31. Budget Life: Online Insurance Rates
    This blog, sponsored by BudgetLife.com, offers valuable advice about life insurance. Some of the topics covered are mistakes made when choosing life insurance, determining how much coverage one needs, finding cheap life insurance policies, and myths and scams regarding life insurance.
32. GadgetGoat.net: Life and Disability Insurance
    This blog covers discussions about primarily technological gadgets, along with other topics, including health and disability insurance. This section contains several links to other resources about cheap life insurance,  and term and whole life insurance.
33. Efinancial: Top 10 Hazardous Health Signals for Life Insurers
    The blog’s author created this blog to provide consumers with thorough information about financial planning, products, and services. This particular articles describes 10 health conditions that can raise life insurance rates.
34. Insurance Centre Online
    This blog allows consumers to look up information about different kinds of insurance and request quotes. This section specifically covers life insurance, emphasizing the importance of making an educated decision.
35. Life Insurance Selling
    This blog focuses on insurance sellers, rather than consumers. The point, however, is to help insurance agents hone their customer service skills and “best practices,” including using innovative methods for selling, such as the Internet.
36. LifeInsure.com
    Experienced insurance professionals manage this blog to provide the most thorough, quality advice on life insurance for interested consumers. The blog offers information and advice on term, whole, and universal life policies; rates and quotes; and ongoing representation for consumers with life insurance companies.
37. Life Insurance Compliance & Regulation Law Blog
    Attorney and life insurance regulator, Cailie A. Currin, is the author of this comprehensive blog. She addresses the intricacies of life insurance and annuity compliance, and insurance regulation. Part of this compliance and regulation for companies involves them providing fair insurance practices and opportunities for consumers.
38. MEG Financial – Life Insurance Guide
    MEG Financial hosts this blog, representing over 80 high-rating insurance companies. They provide consumers with specific details and information about term life insurance, universal life and equity indexed universal life.
39. Term Life Insurance U.S.
    This specialized blog focuses on providing information about term life insurance policies for people in high-risk categories. These include people over 70 years old, people who smoke, and people in other high-risk categories due to obesity, mental conditions, and surviving heart attacks and certain types of cancer.
40. Senior Market Advisor: Life Insurance Blog
    This blog addresses many issues of interest to senior citizens, including life insurance. The blog covers many life insurance topics, including an essential guide to choosing life insurance and a “life changes” checklist that can affect life insurance premiums.
41. Buy Insurance Online
    This blog addresses the convenience of buying insurance online. In this section specifically, the blog’s author discusses topics specific to life insurance, such as the value of a policy and types of policies.
42. Buy Critical Illness Insurance
    Critical illness insurance is a blend of health and life insurance. This blog addresses this necessary, but difficult subject of choosing critical illness insurance in the event that an individual or a loved one has a disease, disorder, or injury that likely will lead to death.
43. Bullfax.com: Life Insurance Complicated by Minority Health Concerns
    This blog combines news feeds and opinions about markets and the economy. Life insurance issues covered include the difficulty some minorities have in obtaining life insurance due to health issues, and an investigation into some life insurance companies withholding death benefits from covered families.
44. Consumer Boomer: Getting Life Insurance Quotes Online
    Specifically geared to the “baby boomer” generation, this blog covers a range of relevant topics, including financial planning and life insurance. This article defines types of life insurance policies and recommends using AccuQuote for speedy, inexpensive online quotes.
45. Your Life Insurer
    This is a specialized blog, dedicated to providing thorough personal life insurance information. A few of the topics covered include types of life insurance, rates, quotes, and purchasing life insurance online.
46. Alliance of Online Entrepreneurs: Your Legacy – Do You Have a Plan in Place?
    This blog provides training, coaching, and serves as a wealth of information for women entrepreneurs. This particular article provides a twist on the life insurance angle by adding a touching story of a woman who wanted to ensure she would leave the proper legacy behind for her family.

Image Credits: http://www.flickr.com/photos/bravenewtraveler/2275900255/

Looking towards a future in today’s economy may seem grim, but when it comes to your family and there well being when you are gone, no price s too much. But in the process of buying life insurance, you might want to shop around and save as much money as you can , while  getting the most coverage  you can for  the protection of your loved ones.

Here are some websites to help you get a better understanding of cheaper life insurance premiums and what to watch out for.

1. 10 ways to save money on life insurance Just as there are different life insurance plans to meet your needs, there are different ways to save money on life insurance. Most importantly, shop around for life insurance quotes
2. 4 Ways to save on life insurance A lot of people have been struggling with the same choice, and many have dropped their life insurance, which can be a big mistake.
3. 9 Easy Ways to Save on Life Insurance As far as peace of mind goes with regard to your family’s wellbeing, there’s no sounder investment than life insurance.
4. Ways to Save on Life Insurance Costs A tough economy coupled with a maxed out job market has changed the way Americans spend their money.
5. Top 10 Ways to Save on Life Insurance Just as there are different life insurance plans to meet your needs, there are different ways to save money on life insurance. The most important is to shop around.
6. Ways To Save on Life Insurance Everyone is looking for ways to save money these days. If you hear about a good discount, you want it. That especially is true when it comes to life insurance policies you buy online.
7. 6 Ways to Save Money on Your Life Insurance Life insurance is always a very touchy subject, some feel it’s not needed while others argue that it is an important part of your financial plan.
8. Two Ways to Save Money on your Life Insurance Premiums Life insurance underwriters work off of actuarial tables, which catalog risk factors a life insurance applicant presents to the insurance company.
9. Savings is Possible with Life Insurance While life insurance costs can be high for many people, there are ways to save when purchasing a life policy. Which policy you should buy will depend on your given situation.
10. Five ways to save on … Life insurance You need life insurance for things such as paying off your mortgage should you die. If you are single, then it’s rather pointless. Who will the payout go to?
11. Where To Start When Trying To Save Money Even if you are happy with your current insurance company it is still in your best interest to shop around for a cheaper policy.
12. 10 Ways to Save on Life Insurance Here are some short, sharp tips to help you keep your life insurance costs low.
13. Save Money with Low Cost Term Life Insurance Before Time Runs Out Low cost term life insurance is generally very affordable, especially while you are still in good health and young.
14. The truth about Life Insurance Rates Shopping for life insurance premiums may promise you the peace of mind for future, unfortunate events, but when it comes to life insurance rates, you might be in for a whole lot of surprises.
15. Reducing Expenses: Ways to Save Money on Insurance The average American family spends about $3,500 annually on all types of insurance.  Below are ideas on reducing your insurance costs without giving up necessary coverage.
16. EIGHT WAYS TO SAVE ON LIFE INSURANCE The price you pay for life insurance largely depends on things you can’t or don’t want to change: your age, health, habits, and other lifestyle choices, such as smoking and skydiving. Still, there are ways to save when buying a policy.
17. Clever Ways to Save Money on Insurance The price of insurance can vary by hundreds depending on the insurance company and type of policy. A lot of policyholders are not even aware that they may be paying for unnecessary extras. Take the time to see how to reduce insurance costs.
18. 50 ways to save cash: Insurance In hard times, it’s more important than ever to ensure that you pay no more than necessary for the essentials of life. In our list of 50 ways to get the most from your money, here are eight tips on insurance.
19. 5 Ways To Save Money On Your Term Life Insurance Premium Term life insurance is known as the cheaper alternative of life insurance than permanent life insurance.
20. Ways To Save When Buying Life Insurance When it comes to shopping, savvy shoppers get the most for their money. This stays true not only when shopping for groceries or food, but for life insurance as well.
21. Ways to Save Money on Your Policy There’s good news if you’re shopping for a life insurance policy. People are living longer, and that has resulted in less expensive premiums for life insurance policies.
22. Saving You Money For Life A leading provider in term life insurance for people across the U.S. We’re dedicated to providing you with valuable information
23. Ten Ways to Save Money Most families are looking for ways to save money, and financial consultants by the hundreds feel that they have the money-saving methods for which these families are looking.
24. 8 painless ways to save money We all know how to spend less by sacrificing. While sacrificing — eating out less, buying fewer clothes and cutting back on vacations — can be effective, it’s painful.
25. Your 5-minute guide to life insurance Life insurance provides families with financial security should a spouse or parent die.
26. Now’s time to buy term life coverage Life insurance shoppers have enjoyed falling term life prices for about a decade, for several reasons.
27. Ways To Save On Life Insurance Costs A tough economy coupled with a maxed out job market has changed the way Americans spend their money.
28. Long-Term Care Insurance – There Are Simple Ways To Reduce The Cost If you clicked on this page it’s because you want to make certain that you take advantage of all the discounts and ways to make long-term care insurance as affordable as possible
29. Life Insurance Choices Made Easy Life insurance is complicated and somewhat intimidating. The product offering names (term, whole, universal, etc.) are ambiguous.
30. 5 Ways To Save Money On Your Term Life Insurance Premium Term life insurance is known as the cheaper alternative of life insurance than permanent life insurance.
31. 5 Ways To Save Money On Your Term Life Insurance Premium Term life insurance is known as the cheaper alternative of life insurance than permanent life insurance. What many people do not realize, however, that term life insurance can actually be even cheaper than they may think.
32. 4 Ways to Save Money on Life Insurance A lot of people have been struggling with the same choice, and many have dropped their life insurance, which can be a big mistake.
33. 5 Ways To Save Money On Your Term Life Insurance Premium Something many people do not consider when going through the process of looking for term life insurance is the art of  negotiation.
34. Ways to Save on Life Insurance Premiums You must speak to a reliable insurance expert to know how much coverage you need. There is no need to pay excess amount if you know what is essential to be covered under a homeowner’s insurance policy
35. TOP 10 THINGS TO KNOW ABOUT LIFE INSURANCE Before you run out and purchase a policy, do some research ahead of time. That way, you’ll be sure to get the best possible coverage at the right price. Here are some helpful tips to get you started:
36. How Life Insurance Rates Are Derived Primarily, several major factors affect the rates one will required to pay in order to receive sufficient life insurance coverage.
37. Tips on Possible Ways to lower your monthly Insurance premiums These are typical discount rates, but they are only estimates, and discount rates and eligibility will vary from Insurance company to Insurance Company, or may be non-existant.
38. Ways to Save on Life Insurance Use an independent agent that represents several companies
39. More Ways to save on Life Insurance – More excellent ways to save on life insurance costs.
40. Get instant life insurance quotes Life Insurance or owner and the insurer, where the insurer agrees to pay a sum of money upon the occurrence of the policy owner’s death. In return, the policy owner (or policy payer) agrees to pay a stipulated amount called a premium at regular intervals.
41. Save Money on Your Life Insurance Since 1989, NetQuote has connected visitors with the largest network of national and local life insurance agents from the nation’s top companies.
42. Quality term life insurance is the Matrix Direct Difference At Matrix Direct, we provide more than just affordable term life insurance. We’re committed to your satisfaction, which means affordable term life insurance quotes, straightforward information from our licensed life insurance agents, and attentive customer service.
43. Term Life insurance Term life insurance is a very affordable way to provide life insurance coverage for your loved ones. Even though it is affordable, there are still ways to save on a policy while making sure you maintain the proper coverage level you need.
44. The Advantages of Whole Life Insurance What are the advantages of whole life insurance? Do they exist? We often hear that it is the worst financial product. What if the opposite were true? When would you want to know?
45. 9 Ways To save on Life insurance As far as peace of mind goes with regard to your family’s wellbeing, there’s no sounder investment than life insurance.
46. Top 7 Ways To save on life insurance If you own insurance policies or are considering buying life and health insurance, you probably want to get the best deal you can.
47. Trade Life Insurance for long Term Care It is getting a bit easier for Americans to purchase long-term care insurance for themselves or their family members.
48. How Much Life Insurance Coverage to Buy A life insurance is a financial saving tool for people who have loved ones who depend on them.

Image Credits: http://www.flickr.com/photos/straightjacket9/3598283076/

There comes a time in all our lives when we have to sit down to plan our exit of this lifetime.  We would like to feel assured that our loved ones will be taken care of when we move on into eternal life. When you are considering a whole life insurance policy, a number of questions will come to your mind. The foremost will be why buy a whole life insurance policy? Well, for starts, a whole life insurance policy is the best bet if your goals are long term. It has built-in savings element and builds cash as years go by.

1. Saving You Money For Life A leading provider in term life insurance for people across the U.S. Dedicated to providing you with valuable information from experts on the topics of insurance, financial planning and personal finance.
2. Life Insurance – 5 Common Myths & Misconceptions In this series of myths and misconceptions, highlight/demystify various false notions associated with Personal Finance.
3. Busting the top 6 Life Insurance myths These life insurance myths and misconceptions can result in too little coverage causing financial hardship for families suffering the loss of a loved one.
4. 7 myths surrounding life insurance Any mistake you make when buying a life insurance policy can have long-lasting consequences. And if your family is not provided for the way you intended, you won’t be around to fix it.
5. Five Common Myths About Life Insurance If you really want to provide for your family’s well-being, you’ll need more than that. The good news is that this extra coverage won’t set you back as much as you might think.
6. Top 10 Life Insurance Myths Discover  the technical aspects of life insurance are far less difficult for most people to deal with than trying to get a handle on how much coverage they need and why.
7. The Top Ten Insurance Myths You Need to Know! Insurance is designed to protect one from catastrophic disasters. An insurance rule of thumb: If you can pay for the loss or damage without a financial hardship then pay it.
8. 7 Life Insurance Myths That Can Cost You The misunderstandings about life insurance cause many people to skip the coverage altogether, putting their families at great risk for financial hardship.   Set the record straight on seven common myths about life insurance.
9. Dodge These Five Life Insurance Myths Term or whole life? Universal or variable? Decisions about what kind of life insurance is right for you — and whether you need insurance at all — may not be keeping you up at night.
10. Life Insurance Myths People who choose life insurance policies based on myths about insurance could end up making a costly decision.
11. Debunking Life Insurance Myths And Mistakes #1 Read about being underinsured with permanent life insurance may be the biggest single mistake that people make in buying life insurance.
12. 7 life insurance mistakes to avoid For most people, talking about life insurance sounds almost as fun as eating rotten fish. And while ignoring it can compound a family tragedy by turning it into a financial nightmare, more and more people are doing just that.
13. How (and Why) to Buy Life Insurance But getting life insurance simply because you think you might need it, without really understanding how much to get or the options you have is a mistake
14. 8 life insurance myths Would you drop a load of money on a new car but fail to learn how to operate it — and then lose track of where you put it? Of course not, but it happens all the time with life insurance
15. Four Life Insurance Myths for the Young Family Whether or not you work, your family will miss your contribution to the household if it disappears.
16. Myths about cash value life insurance Some of the things you will hear when an agent is trying to sell whole life, universal life, or variable life insurance.
17. Life Insurance Myths There are many myths surrounding life insurance, but ten in particular seem to be most common.
18. 4 Types Of Life Insurance Compared: Term Life, Whole Life, Variable Life, And Universal Life Life insurance is a confusing topic. You’ve got death benefits, life expectancy, surrender penalties, term risk, and any number of contract riders to obsess over and worry about.
19. Personal Finance Blog Many questions that you need answers to about life insurance are all here in this blog
20. Seven Insurance Myths That Can Cost You Much of what you’ve been told about insurance is flat wrong. And common misconceptions and half-truths about insurance can cost you serious money.
21. Buying Life Insurance: Debunking Myths and Mistakes All kinds of half-truths, myths, and common mistakes are associated with buying insurance.
22. Beware of Medicaid Myths Medicaid is the largest source of government funding for nursing home care. Despite what many people think, the government health care program for the elderly, Medicare, covers very few nursing home costs.
23. Clearing Up Insurance Myths Learn about the truth to life insurance benefits and what to beware of.
24. Debunk some common myths about life insurance Many people wouldn’t think twice about insuring the full value of their car or home. But when it comes to life insurance, 60% of families with dependant children do not have enough insurance to cover household expenses for a year if the family breadwinner was to die.
25. 12 Life Insurance Myths Here are a few life insurance myths that are commonly believed yet largely untrue.
26. Life Insurance Myths & More Life insurance isn’t exactly the kind of thing people like to talk about, but it is important. That’s why, when it comes to shopping for a good policy, it’s important to separate fact from fiction.
27. About InsureMe A free referral service that helps people find the most competitive insurance rates in the business.
28. Most Common Life Insurance Myths It is necessary to be educated about the realities of life insurance, and the myths that surround it.t
29. Know About Insurance Why people need Life Insurance in the first place. An insurance policy is primarily meant to protect the income of the family’s breadwinners.
30. Understanding Life Insurance From A-Z The best way to understand life insurance is to educate yourself.  Buying a life insurance policy to fit your needs is easy once you avoid making decisions based on some of the most common myths surrounding life insurance.
31. Life Insurance – Myth versus Fact There is a lot of misinformation and outright myth when it comes to life insurance. Unfortunately, many people who would benefit from obtaining an affordable life insurance policy delay or avoid the issue simply because they don’t know the facts.
32. Five Common Myths About Life Insurance The majority of American households still are clueless when it comes to life insurance and are misled when the time comes to prepare for that time
33. Insurance myths There’s a few misconceptions about life insurance – like ‘insurers don’t pay claims’, or ‘insurance is too expensive’. Some people even think ‘insurance isn’t for me – I don’t need it!’
34. Biggest Life Insurance Myths Think you don’t need life insurance? Think again-we’ll dispel the biggest myths about coverage here.
35. Five Common Myths About Life Insurance American households do have some variety of life insurance. But some of us understand how to get the most out of it
36. Common misconceptions about life insurance policies dispelled. Life settlements^* provide 300% of the cash surrender value on average.Most people don’t realize that there are options to giving up a life insurance policy or getting only the life insurance cash surrender value and 85% of all life insurance policies are never used.
37. 10 myths on life insurance Your questions are answered in this article about life insurance!
38. Nine Financial Planning Myths The Financial Planning Association reports that 86 percent of Americans believe financial planning is important to them personally, but less than half (46 percent) actually have developed a financial plan of their own.
39. Common life insurance myths In case you’re single, don’t plan to have children, have enough cash to cover your medical or funeral expenses, and don’t have any relatives depending on you financially, then this is mostly true.
40. Top 5 Life Insurance Myths Debunked Life Insurance is a very important step for the economic growth of any individual and this is one aspect that every working individual should give a lot of thought to. It insures economic security and in these very hectic times it is a must have.

Image Credits: Steve Snodgrass

Here is a list of 45 of the top life insurance blogs. These sites are generally linked to advertising by life insurance companies using the informative blogs as a way to promote their sales of life insurance policies. All of these blogs share vital life insurance policy information that any life insurance consumer would want to know of, including definitions of all of the various types of life insurance policies available as well as free quotes.

1. Better health means better rates, but you still need to compare Underwriting departments are changing their views on the rigid height/weight guidelines that modern health has been proving to be outmoded.
2. Saving you Money for Life Eight ways to save money on life insurance.
3. InsWeb’s Insurance Blog A list of insurance blogs.
4. Busting The Top 10 Insurance Myths A list of the top ten insurance myths.
5. Why life insurance matters A blog explaining why people need life insurance and how to find it on the internet.
6. Term Life Insurance How to find the best offers for life insurance from unbiased professionals.
7. 10 Easy Ways to Minimize Your Life Insurance Premiums A list of ten ways of finding the best life insurance rates.
8. Cheap Life Insurance Rates How to get the cheapest life insurance rates. Includes an explanation of term and whole life insurance.
9. Life Insurance Selling – Field-tested solutions for today’s strategic producer Advice for life insurance salespersons.
10. LIFE INSURANCE AND CRITICAL ILLNESS COVERAGE A group of links for the best deals in life insurance coverage.
11. Affordable Whole Life Insurance An explanation of whole life insurance and some top woutes for purchasing it.
12. Life Insurance Answers How much do you need? How much does it cost? Also includes ten tips on life insurance.
13. FREE Insurance Quotes and Rate . A [age that sets out to deliver the best policies and rates for life insurance.
14. theSelection : Why Life Insurance A large list of life insurance companies and why you should have a policy.
15. Life Insurance, Term Life Insurance Quotes Life insurance quotes and information.
16. Life Insurance Law Blog An interesting article about what is wanted from life insurance regulators.
17. New Consumer Protection Law in MA Policy law changes put more pressure on the insurer to be aware of the life insurance consumer’s health.
18. New York Life Insurance A review of one of the biggest life insurance companies.
19. Life Insurance Blog A blog with many informative articles about life insurance.
20. Term Life Insurance Quotes & Rates Guide to comparing term life insurance quotes.
21. Select Best Life Insurance Plan A collection of links to sites to help you decide on the best life insurance plans.
22. About Density and Penetration of Life Insurance in Europe A review of the life insurance market in Europe.
23. Life insurance Wal-mart is sued over “dead peasant” collections on life insurance. “Dead peasant” life insurance claims are corporate held life insurance policy issuer, such as Wal-mart, gets a share of the policy money.
24. Florida Insurance Law Blog ACE insurance posts 27% increased profit; cites more efficient underwriting.
25. Life Insurance Compliance & Regulation Law Blog A blog set up to speak about life insurance compliance and regulation.
26. Life Insurance: Blog – Business Exchange Life insurance is more interesting recently, with faulty underwriting being the main reason for greater risk of financial loss for companies and policy holders.
27. How to profit from term life insurance An explanation of how to profit from term life insurance.
28. Term Life Insurance – A Simple Explanation An explanation of term life insurance – how much it is, how much you will need and other questions answered.
29. Life Insurance without Medical Exams Quick and convenient instant approval for life insurance without medical exams. However, there are lower payouts.
30. Advice on Term Life Quotes, Whole Life Insurance, and the Different Types of Life Insurance This blog tells of the various types of life insurance available from the best insurance companies.
31. Term Life Insurance FAQ Some frequently asked questions about term life insurance with answers.
32. Life Insurance Blog How to find life insurance in the state that you live in.
33. Term Life Insurance – Quotes From the Best Life Insurance Companies with Lowest Term Life Insurance Rates A post about finding quality term life insurance for low rates.
34. Life insurance information Common types of policies, things to consider and additional resources are shared here.
35. What is a whole life insurance policy? An explanation of whole life insurance policies.
36. Compare Policy rates and Benefits Be sure to understand your financial needs, compare prices with different agents and use realistic expectations.
37. Few easy steps to save your life with Free Online Life Insurance Quote and Life Insurance Quotes Some tips about lowering your life insurance rates, such as quitting smoking and losing weight if you need to.
38. Life Insurance Term Updates A list of blogs about life insurance terms.
39. Everything you need to know about term life insurance. Some facts about term life insurance, including why it not be cheapest to buy it from your employer.
40. About AARP Short Term Life Insurance: Insurance Information Information for fifty year old plus people that need to understand how short term insurance works.
41. Life Insurance Blog A blog about life insurance and what you need to know about it.
42. Term Life Insurance U.S. — Term, Universal, & Return of Premium Life Insurance An explanation of how to maximize life insurance in order to help your heirs balance out funds against inheritance taxation.
43. Life Insurance Facts : How to Buy Variable Universal Life Insurance Variable universal life insurance is a risky venture as an investment as the policy’s value is determined by the insurance company’s investments.
44. Biggest life insurance companies, you save 30%, instant online quote! A list of different types of insurance companies, different types of policies, buying life insurance, and an FAQ about life insurance.
45. Special Section: What’s hot in life insurance? Of course people will always want life insurance to cover burial expenses, take care of debt, and perhaps have money left over for the bereaved’s benefit – but there is a new catch phrase among life insurance brokers, “life insurance in case you live.” Many people are looking forward to seeing term life insurance policies mature and they are being viewed as an investment more frequently.

Image Credits: merfam

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. There are so many different types of life insurances with different terminology used with each type. It can be difficult, not to mention stressful, to try and understand the various terms.

An essential first step to understanding the life insurance industry is a comprehensive list of resources. When armed with this important information, it can be easier to make a decision that is best for a family’s present, and future, life experiences.

Terms and Definitions:

1. BF Message: Basics of Basic and Finance: Delivering the basic terminology of life insurance in easy to understand language, this blog is a must read.
2. Pure Classa: A Financial Resources Blog: This blog defines some of the more common terms associated with life insurance.
3. Life Insure: This web site is your source for online help with those often confusing life insurance definitions.
4. Paid Life Insurance: This article provides the vital definitions to help consumers understand life insurance.
5. Investor Words: Term Life Insurance: This blog has some basic term life insurance definitions that are well defined to ensure a concrete understanding,
6. How to Read an Insurance Policy: A detailed rundown of those unfamiliar words that are found in the fine print of every life insurance policy.
7. Ed Hinerman on Life Insurance: Ed Hinerman expands, in a straightforward way, on the lingo that you will come across when talking about life insurance.
8. How to Buy Life Insurance: This helpful blog explains the differences between the various kinds of life insurance that are available along with applicable definitions.
9. Insurance and Annuities Blog: This blog features a complete guide to annuities and life insurance.
10. Life Insurance Cost: Dealing with only whole life insurance, this blog is a valuable resource for those seeking information about life insurance.
11. Life Insurance: Because Life is Everything: This blog features an extensive dictionary of life insurance terms and their definitions.
12. Smart Money: The life insurance glossary at Smart Money is comprehensive without being overwhelming.
13. Best’s Insurance Resources: True to its name, Best’s does provide one of the most thorough reference guides to life insurance, including a quick jump feature sorted by alphabet.
14. Insure.com: This blog makes it easy to search for the exact term you are looking for. Or click on the handy alphabetized list.
15. All Insurance Info: All Insurance Info addresses several of the less common types of life insurance.
16. Life Insurance Explained: This blog explains some of the commonly heard phrases and terms used in life insurance.
17. Life Insurance Basics: This blog features an informative video that explains the basics of life insurance that everyone should know.
18. Life Insurance Terms: This blog offers up some explanations for that perplexing legal language found on the life insurance paperwork.
19. Ask For Insurance: This web site offers separate links to life insurance definitions sorted alphabetically. They even offer a pocket sized dictionary for when you are on the go.
20. Understanding Life Insurance: This article explains the need for life insurance.

Understanding Life Insurance:

1. Understanding Life Insurance: This article breaks down all the key roles that people play in the life insurance industry.
2. Better Term Life Insurance: Offering an explanation of term life insurance that puts it into simple terms is what you will find in this article.
3. How to Understand Life Insurance: This article provides a very straightforward explanation for buying life insurance.
4. When is the Best Time to Buy Life Insurance?: Discover the best time in a person’s life to buy life insurance.
5. Money Matters Made Easy: This article gives in depth advice and details about how to understand life insurance premiums and charges.
6. Save Money on Life Insurance: Written in a clear and easy to read style, this article shares many ways to save money on life insurance.
7. Understanding Life Insurance: Modal Points: This article tackles a confusing topic and explains what it means in plain English.
8. One Reason Life Insurance is Necessary: A quick reading article that will explain just one of the many reasons why life insurance is necessary.
9. How to Purchase Life Insurance Policies: This web site article offers a series of questions and answers to address your most pressing life insurance questions.
10. Understanding Life Insurance Blogs: Featuring a wide range of blog posts about life insurance, you should be able to find the answers to all your questions here.
11. Life Insurance Policies and Mortgage Protection: A blog that explains the often confusing connection between life insurance and mortgage protection.
12. Help for Understanding Life Insurance: This article offers a good overview of what life insurance is and what it can do.
13. Life Insurance for a Better Life: An article devoted to helping you understand why having life insurance is important.
14. Relevant Information About Life Insurance: A general introduction to life insurance is the basis for this blog post.
15. Understanding Life Insurance Policies: A complete guide to understanding life insurance policies.
16. Purchasing Life Insurance: A buyer’s guide to help people who are new to life insurance purchase the best policy.
17. Understanding Life Insurance and Senior Policy: A guide to the pros and cons of purchasing life insurance for seniors.
18. Life Insurance and Modal Factors: There is help for understanding life insurance and the often perplexing modal factors in this article.
19. Understanding the Basics of Life Insurance: This easy to read article explains the basics of life insurance.
20. Understanding Life Insurance: A Video: This web site offers a unique approach to explaining life insurance by offering both an extensive glossary of terms and a video explanation as well.
21. Finance Review: Understanding Life Insurance: This article helps to explain why life insurance is necessary at every stage of life.
22. Life Insurance Rate: Understanding how to save on your life insurance rates is covered in this article.
23. Life Insurance: Planning for the Inevitable: This article gives a great overview about why we all need life insurance even if we don’t think we do.
24. Life Insurance Price Quote: A great article and video combination that details the life insurance price quote and the information needed to obtain an accurate one.
25. Considerations When Purchasing Life Insurance: This timely article goes into detail about the numerous considerations that must be thought out when looking for affordable life insurance.
26. Understanding Life Insurance Basics: This article explains all about the basics of life insurance in a simple and direct way.
27. Life Insurance Trust: A well rounded article that explains about a life insurance trust in detail.
28. What to Expect From Your Insurance Broker: An in depth article that offers a sage look at what your insurance broker can do for you.
29. Plan Before you Buy Life insurance: This detailed article explains why people buy the wrong insurance at the wrong time in their lives and what should be done instead.
30. Understanding Life Insurance Policies: This web site offers a discussion about how to understand life insurance as well as the types of policies that are available.

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.

The stories below are from people who never thought they needed insurance on a family member or about a loved one who may not have thought life insurance was a big deal. People die unexpectedly in accidents every day all day long. The healthiest people in the world get sick; Lance Armstrong did. Fortunately for him his life insurance policy, if he has one, was not executed.

1. Stories from People of Why They Need Life Insurance: Several stories from different people that talk about their life and their need for life insurance
2. Waited Too Long to Buy Life Insurance:  Man diagnosed with liver cancer with no life insurance and now too late to get any. He will leave a family behind.
3. Funeral Costs and No Life Insurance: What would happen if a person dies and they have no life insurance?
4. Hess Cancer Foundation: True story of someone who died of cancer with no life insurance.
5. My Dad’s Funeral is Saturday: A father passes away and had no life insurance for his family.
6. 9/11 Death and No Life Insurance: A husband dies of cancer and leaves behind a pregnant wife and had no life insurance
7. Too Young for Life Insurance?: A 35-year-old husband is murdered and he and his wife thought they were too young to worry about life insurance.
8. Life Insurance to Help Pay Funeral Costs: A child dies and family cannot pay for the funeral.
9. Lost Father to Cancer: Father with no life insurance dies of cancer and family in financial turmoil due to mother never working before.
10. Why You Need Life Insurance: Single mom discusses what would happen to her children if she died and they had no life insurance.
11. Losing Her House Because They Didn’t Have Life Insurance: A woman lost her husband with no life insurance.  She has no one to help her and she is going to lose her house.
12. Why You Shouldn’t Cancel Your Life Insurance Policy: Young single mother passes away and leaves behind two young children and had no life insurance.
13. Husband Dies in Accident: A husband dies and family has to seek help for funeral costs because they had no life insurance.
14. Is Life Insurance Worth the Cost?: What would happen if you didn’t have life insurance?
15. Single Mom Deals with Death and No Life Insurance: A single mother loses parents and brother with no life insurance to help with costs.
16. Father Dies with No Life Insurance: A father dies and leaves behind debt and had no life insurance to help family.
17. Evan Carmichael: A success story about life insurance.
18. What Happens to Family Members: Discussion about what happens to family members left behind with no life insurance.
19. Why You Should Have Life Insurance: A story of why a family should never be without life insurance.
20. Suddenly a Single Parent: The financial troubles when a loved one dies.
21. Community Support after Death With No Life Insurance: A father passes away leaving behind a lot of medical bills. The family looks to community for help.
22. Husband Dies with No Life Insurance and Has to Foreclose on House: Husband died with no life insurance and bank tries to foreclose on the house.
23. WISHtv: A child dies and the family is worried how they’ll pay for the funeral.
24. Father Passed and Daughter Out of Options: A daughter is dealing with the death of her father who had no life insurance and she is running out of options on how to pay for everything.
25. Family Struggles after Death of Husband With No Life Insurance:  Their father left behind a new home with a mortgage and he had no life insurance.  She has three children.
26. The Suicide Exclusion: Some life insurance companies have a two-year exclusion for coverage after suicide.
27. How are They Supposed to Pay for the Funeral: Family cannot pay for the deceased family member’s funeral because she had no life insurance. Family has to get a loan to pay for funeral.
28. Sister Dies With No Life Insurance and Leaves Minor Child Behind: Sister passes away with no life insurance.  She had a 16-year-old child who was lucky enough to have family to help.
29. Five Cent Nickel: How much life insurance does a person need before it’s enough?
30. Father Dies and His Family is Struggling With His Debt: Mother’s children are watching her struggle with debt because her husband died and had no life insurance.
31. 102-year-old Grandmother Has No Life Insurance: Family is worried on how they will pay for her nursing home and funeral expenses when she dies.
32. 7 Ways Permanent Isn’t Always Permanent: Information to consider about permanent life insurance.
33. Dying Broke and In Debt: Stepdad died with no life insurance leaving his wife with bills. Mother passed away also with no life insurance and took children months to pay for the funeral expenses.
34. Employer Life Insurance Coverage: It’s important to understand the coverage your employer offers.
35. Death of Unemployed Mother with No Life Insurance: A death of an unemployed mother in New York and a family has to rely on society to pay funeral expenses.
36. Widow Left Behind and No Life Insurance: A young widow’s husband dies and she is having financial problems because they did not have life insurance.
37. Mother Passed Away Leaving Only Debt Behind: Children having problems with mother’s debt because she passed away with no life insurance.
38. Life Insurance on a Baby: Is it a good idea? Do you really need life insurance on a baby?
39. Singles and Insurance: Should a single man or woman have life insurance?
40. Never Say Never: It could happen to you.
41. Hit-and-Run: Tragic incidents are never expected but they happen.
42. Mother Dying of Cancer and Daughter Has No Money: Her mother is dying of cancer that has no life insurance and daughter has no money to pay for her funeral.
43. Daughter Planning How to Pay Funeral Expenses:  Mother is dying and she has no life insurance.  Daughter is trying to find a way to pay all of the expenses.
44. The Exiled: Some Americans are so poor they can’t afford to die.
45. Obit: Paying for your parent’s funeral. Who’s responsible for that?
46. Divorce Support: Is there a way to continue to receive alimony payments after your ex-spouse dies?