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Insurance 101 Library


Download helpful articles on various Health and Life Insurance topics by clicking on the titles below:

What is Health Insurance
Health insurance is one type of insurance you’re pretty much guaranteed to use. We all need medical attention from time to time, and some of us need it quite frequently When care is needed, you want to focus on getting better not on how you’re going to come up with the money to pay your medical bills. A good health insurance plan allows you to focus on what’s most important, your physical well‐being.
(PDF; 138K)

What is Term Life Insurance
As the name implies, term insurance provides protection for a specific period of time and generally pays a benefit only if you die during the "term." Term periods typically range from one year to 30 years, with 20 years being the most common term. One of the biggest advantages of term insurance is its lower initial cost in comparison to permanent insurance.
(PDF; 131K)

Who Needs Life Insurance?
If someone will suffer financially when you die, chances are you need life insurance. Life insurance provides cash to your family after your death. This cash (known as the death benefit) replaces your income and can help your family meet many important financial needs. (PDF; 127K)

How Much Life Insurance Do I Need?
Life insurance provides cash to your family after your death. This cash (known as the death benefit) replaces your income and can help your family meet many important financial needs like funeral costs, daily living expenses and college funding.
(PDF; 125K)

Second to Die Rider
An exciting concept in the area of life insurance products for estate planning needs is the Second to Die rider offered by a number of carriers. It is a concept that is simple by nature, yet provides tremendous planning capabilities. The Second to Die rider is generally attached to a permanent life insurance policy.
(PDF; 112K)

Survivorship Life Provisions
Financial advisors are often asked to prepare analyses or make recommendations concerning life insurance as an estate conservation tool. In many cases, the client’s team of advisors including a tax attorney, accountant and insurance agent will recommend the use of a "survivorship life" or "second to die" contract. (PDF; 142K)