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What are the principal types of life insurance?
There are two major types of life insurance—term and whole life. Whole life is sometimes called permanent life insurance, and it encompasses several subcategories, including traditional whole life, universal life, variable life and variable universal life. In 2003, about 6.4 million individual life insurance policies bought were term and about 7.1 million were whole li...
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How much life insurance do I need?
In most cases, if you have no dependents and have enough money to pay your final expenses, you don’t need any life insurance. However, if you want to create an inheritance or make a charitable contribution, you should buy enough life insurance to achieve those goals.

If you have dependents, you should buy enough life insurance so that, when combined with...
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Why should I buy life insurance?
Many financial experts consider life insurance to be the cornerstone of sound financial planning. It can be an important tool in the following situations:

  1. Replace income for dependents
    If people depend on your income, life insurance can replace that income ...
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Life Insurance
If you have dependents or other people with whom you share your life, life insurance can play a vital and valuable role at virtually every stage of your life. It’s not just for the young, nor is it only for parents or guardians of young children.

Why buy life insurance? The main reason for insuring your life is to replace an...

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Affordable Auto Insurance - How to Get it
Thanks to increasing accident rates and rising repair costs, auto insurance costs are going through the roof. But you can still get affordable auto insurance from a reputable company...
Thanks to increasing accident rates and rising repair costs, auto insurance costs are going through the roof. But you can still get affordable auto insurance from a reputable company. Here's how ...
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Where can I get more information regarding health insurance?
If you have specific questions regarding your insurance coverage, contact your health plan directly or speak to the benefits administrator where you work. For information on Medicare, call the agency at 800-638-6833 .

Consumer information on the various health insurance plans that exist today is available from two leading insurance trade associations. They are...
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If I change jobs or become unemployed, can I bring my coverage with me?
If you switch employers, you have the right to carry your group health insurance coverage with you to a new job for up to 18 months under the Consolidated Omnibus Budget Reconciliation Act (COBRA).

You must pay the full premium, but at group rates that are far cheaper than the individual rates you would pay for similar coverage. Health insurance under COBRA i...
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Can I buy an individual policy?
Yes. If you are unemployed, self-employed, or decide to return to school you may want to buy an individual health insurance policy.

Here are a number of options that you may consider:

  1. Ask your insurance company if you can convert its group policy to an individual policy. You will pay a higher rate ...
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How do I pick a health plan?
If your employer gives you a choice of plans or you need to purchase your own coverage, it is crucial that you understand your health insurance choices and pick the insurance that is best for you and your family.

Here are some questions you should ask yourself when choosing a health insurance plan:


How affordable ...
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What kinds of health insurance are there?
There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses. Most cover prescription drugs and some also offer dental coverage.

  1. Fee-for-Service
    These p...
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