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life insurance

74951793
Marc Debnam
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Should mom cancel that whole life policy?

Q. My 70-year-old mother has been paying about $3,500 a year for a whole life policy. Her husband is dead and her kids don’t need the money when she dies. I’d rather see her use the premiums when she’s alive. How can I get her to cancel the policy?

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Insurance
Falko Matte
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Weighing your options with variable life insurance

Q. I have a Prudential variable life insurance policy for $100,000.I am 68 years young. I am not paying any premium and it is taken care from the investment choice I have. The cash value is about $10,000. What are my options with the account?

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Fitbit
JC Olivera/Getty Images
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Would you wear a fitness band for cheaper insurance?

Fitness bands, like Fitbit, have become more popular as people track their activity, and now a Canadian insurance company, Manulife, is offering reduced premiums to policyholders who wear them.

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Farewell
David Kay
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Should you keep that life insurance policy?

Q. I have a $500,000 term policy that’s set to expire in a year. My kids are out of college and I have no mortgage. How can I decide if I need a new policy?

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(Gunnar Pippel, ThinkStock)
(Gunnar Pippel, ThinkStock)
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Understanding the differences in life insurance

Q. What’s the difference between a whole life policy and a permanent policy?

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Life Insurance
Life Insurance (Hemera Technologies, ThinkStock)
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How much is your life really worth?

Q. What’s the best way to figure out how much life insurance I need? I’m married with two kids — 14 and 7 — and we have a house with a mortgage of $215,000. My salary is $79,000 a year and my wife makes between $15,000 and $25,000 a year.

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The middle class is showing, a new report shows. (Andresr, ThinkStock)
The middle class is showing, a new report shows. (Andresr, ThinkStock)
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Some cost-effective ways to get life insurance

Q. I can’t really afford whole life insurance, but I need coverage. I have a smaller term policy. Are there options I’m not thinking of for my family? I’m 42 and I have a wife and two kids.

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106381025
Gunnar Pippel/ThinkStock
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Don’t count on inheritance from life insurance policies

Q. My parents have several life insurance policies. One is whole life, two are term and there’s also an annuity. What do I have to worry about with taxes when the payments eventually come to me, and is there something I can do to save on taxes?

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AAA is warning motorists to 'look before you lock' in an effort to keep kids from being locked in hot cars. (Noel Hendrickson, ThinkStock)
AAA is warning motorists to 'look before you lock' in an effort to keep kids from being locked in hot cars. (Noel Hendrickson, ThinkStock)
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Should your kids have life insurance?

Q. I’ve been offered a cheap whole life insurance policy for each of my kids, who are 9, 7, and 5. The payout is $10,000 in benefits for a $250 per year premium. Is it worth it?

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Life Insurance
Life Insurance (Hemera Technologies, ThinkStock)
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Life insurance costs men more money

When it comes to life insurance, men get the short end of the stick, simply for being a man.

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