Term Life Insurance Conversion: How It Works and When to Use It
Term life insurance conversion lets you switch term coverage to permanent without a new medical exam. Learn deadlines, costs, and when not to convert.
-
-
10 Reasons to Use an Independent Life Insurance Broker
An independent life insurance broker compares 25+ carriers, pre-screens your health history before you apply, and costs you nothing extra. Here are 10 reasons it matters.
-
Life Insurance and Estate Taxes in 2026: When You Need an ILIT
Is life insurance subject to estate tax? Yes, if you own the policy. The 2026 federal and New York thresholds, the NY cliff, and when an ILIT is worth it.
-
Life Insurance for Seniors Over 60: What You Can Still Buy (and What to Skip) in 2026
Life insurance for seniors over 60: which policies are still available, when term beats whole life, why guaranteed issue should be a last resort, and how underwriting changes after 60.
-
Life Insurance With a DUI on Your Record: What to Expect in 2026
You can get life insurance with a DUI. How long ago it happened decides the rate. See the realistic timeline, what makes a case harder, and how to shop it.
-
Life Insurance for Dangerous Jobs: Pilots, Divers, Construction Workers, and More (2026)
Life insurance for dangerous jobs is easier to get than you think. See how pilots, commercial divers, ironworkers, and loggers are priced, what a flat extra costs, and how to avoid exclusions.
