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Life Insurance Frequently Asked Questions

Life insurance provides cash for your family after you die. The money your dependents will receive - the "death benefit" - is an important financial resource. It can help pay the mortgage, run the household and ensure that your dependents aren't burdened with debt. The proceeds from a policy could mean that they won't have to sell assets to pay outstanding bills or taxes. Importantly, there is no federal income tax on the benefits.

Life insurance questions can be complex. Will your family need this support after you are gone? What sort of policy should you buy? Who should you buy it from? Here are some questions and answers to help you make the decisions.

How much life insurance do I need?
Should my spouse have life insurance?
Should my children have life insurance?
What is term life insurance? What are its advantages and disadvantages? What are the different types?
How are life insurance cash values and death proceeds generally taxed?
Should I replace my current life insurance with a new policy?
What is decreasing term life insurance?
What is permanent life insurance? What are its advantages and disadvantages? What are the different types?
What is whole life insurance? What are the different types and different ways to pay premiums?
What is universal life insurance? What are the standard options? What about vanishing premiums?
What is adjustable life insurance?
What is variable life insurance?
What is variable universal life insurance?
What is credit life? Is it a good buy?
What is mortgage life insurance? Is it a good buy?
What is last survivor life insurance? What are the advantages of joint survivorship insurance over individual coverage?
How do I choose a life insurance policy?
What is a life insurance trust? When does it make sense?
What is the cash value of a policy? What about surrender cash value and policy loans?
What about the life insurance settlement? What happens when an insured person dies?
What about group life insurance?
How do you get cheap life insurance? How can you lower the cost?

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