Specialized life insurance search

2+ day, 4+ hour ago (99+ words) Life insurance is, in many respects, one of the simplest components of the broader financial landscape. Policies allow individuals to set a defined level of protection, ensure that the payout can be ... Life insurance back in focus as people wonder about long-term finances follow us on social The latest autumn Budget has prompted a wave of reflection across households trying to make sense of their long-term finances. The new measures announced have made some people uncertain about how to save, plan and think about what they would leave behind. Read the full story with a free account...

2+ day, 23+ hour ago (507+ words) The Social Security Administration maintains the only federal database that insurers are required to periodically check for deaths. Issues with the database, however, have resulted in millions of families risking delayed or lost life insurance benefits. INN spoke with Dick Weber, president and chief consultant for The Ethical Edge, and a consumer representative for the National Association of Insurance Commissioners (NAIC), who recently gave a presentation at NAIC's fall national meeting about the issues with the database and some potential solutions. "The dilemma is what used to be the "go to" place for carriers and the SSA is now a less complete file," Weber says. In 2011, in response to state privacy and identify concerns, the SSA removed more than 4.2 million state death records from the publicly available DMF. The Bipartisan Budget Act of 2013 restricted access to the full DMF, resulting…...

3+ day, 16+ hour ago (309+ words) While some might see life insurance as a way to ensure financial stability for their loved ones, this specific insurance product could cost more than its worth. Oops, something went wrong Retirees Could Immediately Regret Buying This Type Of Life Insurance Life insurance can offer retirees peace of mind by ensuring their beneficiaries are cared for after they're gone. But buying a policy isn't always as easy as it seems. There are two main types of life insurance: term and whole life. Term coverage lasts for a set period " say 15 or 20 years " meaning if you die during that window, the policy pays out; if not, it expires. Whole life, on the other hand, is more complicated. These policies requires you to pay premiums for the rest of your life and, worst of all, not all of that money ultimately reaches…...

1+ week, 16+ hour ago (477+ words) American General Life Insurance delivers a range of life insurance products, including term life, whole life and universal life policies. Founded in 1926, the company offers flexible coverage options for individuals and families. Reviewed Nov. 21, 2025 I am 76 years old and live in Texas. I have had a policy with AGI since April 1992 and paid all my premiums on time. In April 2023 I was first notified that I had to pay $583 or my policy would lapse. I contacted AGI. Was told that it was due to not enough cash value in the account. I truly didn't think too much of it and paid it to keep my policy in force. Reviewed Nov. 17, 2025 I have whole life insurance policies with 4 different companies. AGI is the only one that raises premiums ever 3-4 years and policy never has cash value. This company has made many…...

1+ week, 22+ hour ago (78+ words) Nef El Bey, founder of Insured By Nef and expert with C & K Healthcare Advisors, shares how life insurance can be a powerful act of love and security for your family, while breaking the stigma around discussing it. Nef El Bey, founder of Insured By Nef and expert with C & K Healthcare Advisors, shares how life insurance can be a powerful act of love and security for your family, while breaking the stigma around discussing it....

1+ week, 1+ day ago (55+ words) The Exeter has added its Real Life product to iPipeline's newly launched Advanced Underwriting adviser platform. The Exeter adds life insurance product to iPipeline platform follow us on social The Exeter has added its Real Life product to iPipeline's newly launched Advanced Underwriting adviser platform. Read the full story with a free account...

1+ week, 2+ day ago (326+ words) For most people who just want to protect their family and keep premiums low, a term plan usually makes more sense. Whole life insurance becomes relevant only when you have very specific needs, such as legacy planning, a lifelong dependent, or a high, stable income. To choose properly, you need to be clear about what each product actually does for you. What is a Term Plan What is Whole Life Insurance# It offers coverage up to a very high age, typically 99 years, instead of a fixed 2030 year term. As long as you keep paying premiums, your family is eligible for a payout whenever you pass away, even if that happens at 80 or 90. Whole life insurance can also include a savings or bonus component. Over time, the policy builds a cash value or bonuses that add to the eventual payout, and…...

1+ week, 2+ day ago (490+ words) Life insurance is a contract where you pay regular premiums to an insurer. In return, the insurer promises to pay a lump sum (sum assured) to your nominee if you pass away during the policy term or on maturity in certain plans. Think of it as buying a financial guarantee for your family. Instead of your income, the insurance payout steps in and takes care of important expenses like EMIs, rent, school fees and day-to-day living costs. In India, a life insurance policy can also often combine protection with savings or investment, depending on the type of plan you choose. How Life Insurance Works When you look at the details of, say, a postal life insurance plan, or any other life cover, you usually choose three basic things at the start. Based on your age, health, lifestyle and chosen cover…...

1+ week, 4+ day ago (644+ words) Aditya Birla Sun Life Insurance reports women make up just 28% of policyholders, with lower average cover than men, highlighting a persistent gender gap in life insurance coverage. Aditya Birla Sun Life Insurance has reported a persistent gender gap in life insurance coverage, even as more women take charge of financial decisions As of March 31, 2025, women account for just over 28% of ABSLI's total policyholders, while men make up 71%, stressing a significant protection shortfall.According to the insurer, 91% of its women policyholders are working professionals and 7% are homemakers Despite being fewer in number, women who purchase insurance often demonstrate higher financial discipline: their average annual premium is "1,28,000, around 18% higher than the "1,08,000 paid by men.However, their average base sum assured remains lower than that of men , resulting in comparatively reduced long-term cover.ABSLI attributes this mismatch to women's product choices Over 80% of…...

1+ week, 6+ day ago (296+ words) Hi Toni:Recently, you wrote an article explaining hospice. Please let readers of your column know that there are other ways hospice comforts the caregiver when a loved one passes. My mother's hospice case manager and also her social worker made sure that I knew exactly what to do for her final needs when she finally peacefully passed away. Hi Toni: Recently, you wrote an article explaining hospice. Please let readers of your column know that there are other ways hospice comforts the caregiver when a loved one passes. My mother's hospice case manager and also her social worker made sure that I knew exactly what to do for her final needs when she finally peacefully passed away. Going through a well-known funeral home in my area, I would have had to pay over $3,000 for cremation plus $7,000 to bury my…...