Charles Hines

What To Do When When A Life Insurance Company Wants To Buy A Policy Back

• 11 min read

I recently received another communication from a life insurance company looking to purchase back from the policy owner a life insurance policy issued years earlier. Offers like this happen periodically, but this is the first time I’ve seen it fr...

Mortgage Protection Insurance: When Do You Need It?

• 11 min read

For many people, being a homeowner is the greatest achievement in life. But if you become disabled or suddenly pass away, your family could fall behind on mortgage payments, eventually leading to foreclosure.However, some safeguards ca...

Term vs. Whole Life Insurance

• 11 min read

Life insurance benefits your loved ones when the inevitable happens. While it can be tough to think about your own demise, choosing the right term or whole life insurance policy can protect your household and allow you to leave a legacy to those you...

Life Insurance for Smokers — and Quitters

• 11 min read

If you’re a smoker, you probably already know the habit comes with health risks that can be costly. Cigarette smokers are 15 to 30 times more likely than nonsmokers to get lung cancer or die from it, according to the Centers for Disease Control...

What To Know About Life Insurance

• 11 min read

Millions of adults go to great lengths to protect their assets. Those measures run the gamut from simple everyday efforts like utilizing two-factor authentication when accessing financial accounts via online or mobile banking apps to more complicated...

Can You Have Two Life Insurance Policies?

• 11 min read

Dear Dave: A relative of mine recently mentioned she had two life insurance policies. Is it okay for a person to have more than one life insurance policy? If so, why would someone do that? — Victoria Dear Victoria: There aren&rs...

Why You Need a Contingent Beneficiary on Your Life Insurance

• 11 min read

When purchasing life insurance, the choice of who to name as beneficiary is one of the most important decisions a person makes. A beneficiary is the person who receives the death benefit. The owner of a life insurance policy can name o...

Choosing the Right Life Insurance Policy for People Over 50

• 11 min read

Life insurance is a useful way to protect loved ones should something unexpected happen. In 2020, around 54% of Americans had life insurance coverage. But keep in mind that life insurance shopping can be a little different over 50. Some old...

We Are Divorcing And My Husband’s Life Insurance Policy Is Up For Renewal

• 11 min read

Q: After 24 years of marriage, my husband and I are divorcing. Our lawyers are in the process of drafting our separation agreement. Our two kids are young adults now so there are no child support requirements, but I spent years at home with them...

Whole vs. Term Life Insurance: How To Decide What's Right For You

• 11 min read

Life insurance is a way to protect your beneficiaries from falling behind financially in the event of your untimely death. But depending on the type of policy you take out, life insurance can do much more than provide a theoretical financial safety n...

Charles Hines

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