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How to Decide If That Life Insurance Rider Is Worth It

For most people that means buying ... “The accidental death benefit rider seems more like a game of two-card monte than a useful financial tool,” Johnson says. What it does: Adds life insurance for children. What to consider: This commonly increases ... read more

Life insurance extras: Which coverage riders are worth the price?

For most people that means buying ... "The accidental death benefit rider seems more like a game of two-card monte than a useful financial tool,' Johnson says. What it does: Adds life insurance for children. What to consider: This commonly increases ... read more

How to customize your life insurance policy with riders

In most cases ... with online insurance plans of the insurer. Conclusion Adding a rider may help you customize your life insurance policy. For those who want to keep risk covers in one place or with a single insurer, such benefits are useful. read more

The ups and downs of old-home ownership

The first seven hundred times, I reacted, but now, something has to present an immediate threat to life ... s not the most useful knack to have. Two key lies played a part in convincing me to buy an older home. First, my husband, who is an insurance ... read more

Should you buy insurance when single or married?

It is always prudent to purchase life insurance early. While many factors influence life insurance premiums, age is one of the most critical components ... A waiver of premium rider is extremely useful as it allows the insured and his or her nominees ... read more

9 Factors to Consider Before Buying Long-Term Care Insurance

About 13 percent of Americans try to answer this question by buying long-term care insurance, which is a fraction of those ... a long-term care policy is unlikely to be useful, since most don't kick in until you've been permanently disabled for 90 days. read more

The Color of Money: Author knows how to navigate Social Security

Over the program’s 83-year history, Social Security has collected about $20.9 trillion and paid out $18 trillion. But the reserves for the Old-Age and Survivors Insurance ... useful guide if you want to skip around to topics that interest you the most. read more

How to donate a life insurance policy

A policy donation is an attractive way to realize additional value beyond the useful period of life insurance ... cost of insurance, mortality risk, replacement cost, cash value, policy loans, conversion options, riders and other privileges. read more

The best smart helmets

Built for cycling at night, the Lumos Helmet is outfitted with turn signals in both the front and rear, which are linked to a handlebar remote that offers several months of battery life ... most futuristic) looking helmet on our list, allowing riders ... read more

Plus and minus points of term life insurance & when should you buy it

So, having examined the advantages and limitations of term insurance let us look at situations when it may be useful. Uses of Term Insurance Term Insurance policies will be most appropriate for the following life situations ... used as a rider to a cash ... read more