For the first time ever, more people have life insurance coverage through their employer (108 million), than individually owned policies (102 million). Your first reaction to that might be "is that a bad thing? Coverage is coverage right?" Wrong. What you want is more individually owned policies than group life insurance coverage. This is for many reasons, but today we're going to focus on 4 of those reasons, most of which you likely don't realize about the life insuranc

When I was a teenager, my father and I were in the kitchen one day when he told me that him and my mother were purchasing long term care insurance. In my young, oblivious mind, I asked my dad “why are you buying that? You have four kids who could take care of you or pay for things if something ever happened to you guys.” My dad’s response was “Because it’s not your responsibility. Mom and I can make sure we’re taken care of so you kids don’t have to worry about anything.

Skeptical about the importance of life insurance? Or have you made some assumptions about it? Most people put off buying life insurance for various reasons, whether they understand exactly why or not. Take a look at the top 6 reasons people don't buy life insurance, and see if any of it sounds familiar . . . REASON #1 : It's Too Expensive Most people make the assumption that they can't afford life insurance, or they think that it's more expensive than it really is. With

One of the biggest perks to having a full-time job with a great company is the benefits that they can offer you. In many cases those benefits include life insurance coverage. This is a great perk, and if they offer it, you should take it. In most cases it's free coverage, and we all like to get something for free right? But a life insurance policy through your employer shouldn't be the only one you have, and let me explain why . . . Life insurance policies offered through