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It depends on your situation. Several key questions follow below to help give you an idea of signals pointing to “yes”. 1. Are you married? 2. Own a business? 3. Dependent children? 4. Other dependent relatives? (seniors, disabled) 5. You possess a formidable...


There are two basic types of life insurance: term and permanent. Term insurance is purely life insurance while permanent (aka "cash value" or "whole life") policies include a savings element. You've probably heard lots of sales pitches and marketing hype regarding cash...


Whole life insurance provides permanent protection for your dependents while building a cash value account. With this type of insurance, the insurance company manages the policies various accounts. What it does: It pays a death benefit to the beneficiary you name and...


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Managed care plans fall into 3 basic types plans HMO, PP0 and POS. A common trait among managed care plans is the incentive (usually, a lower premium) for the insured to stay within a specified network of health care providers. Health Maintenance Organizations (HMOs) ...



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