One of the two main types of life insurance can cost hundreds more a year, and two questions can tell you whether you need it

Tanza Loudenback •
Business Insider
Couple using tablet pc outdoor.

  The biggest difference between term and whole life insurance is the length of coverage. Whole life insurance policies have no expiration date and are more expensive than term life because they also have a cash value component.  Part of each monthly or annual premium goes to the insurance company, and part of it goes toward


‘Key person’ insurance can protect your business

Trevor Law •
Birmingham Post
People in office.

Businesses spend a lot of money insuring buildings, equipment, and vehicles but their most valuable asset, people, tends to be overlooked. What if a key person or business owner either passes away, is accidentally killed, or falls critically ill, how would the business cope? Their death could be catastrophic, threatening the firm’s survival. A solution


5 ways life insurance can pay off before you die

president, Kathleen Nolan, Owner, Family Focus Financial Group, and Investment Adviser •

Many people who have life insurance are paying premiums for one reason–to assist their families after they’ve died. It’s an honorable decision, paying for something now that will benefit our loved ones later. But it’s worth knowing that you can actually let your life insurance policy work for you today, long before flowers are put