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life insurance

life insurance

Insurance
Falko Matte
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Choosing the right life insurance

Q. I have a little extra money and I’m wondering if I should switch from term insurance to a permanent policy. How can I decide what I need?

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Fishing family
Wojciech Gajda
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Balancing cash flow and insurance costs

Q. My father has a whole life policy for which he pays $5,000 a year. His cash flow is tight and he doesn’t need the insurance, but he says he wants to give me an inheritance. What should he do?

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Full length of kids playing with pet dog at park
Wavebreakmedia Ltd
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Purchasing life insurance for a sibling

Q. Can I buy a small life insurance policy on my sibling? He doesn’t have the resources for a proper funeral or burial if the need arises.

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Life insurance papers (Hemera Technologies, ThinkStock)
Hemera Technologies, ThinkStock
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States require insurance companies to locate beneficiaries

Beneficiaries of unclaimed life insurance policies already have received billions of dollars -- and others could be in store for some unexpected cash -- the result of state actions forcing companies to locate heirs and pay them the money they are owed.

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153494898
jorgeantonio/Thinkstock
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Should college students have life insurance?

Q. I’ve heard that I should get life insurance for my son, who starts college in September. This would be to cover his college loans — he will need many — should something ever happen to him. Does that make sense?

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(Polka Dot Images, ThinkStock)
(Polka Dot Images, ThinkStock)
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Do you need more insurance?

Q. My wife and I have $1.5 million in term life insurance total. That will cover the bills if one of us dies. But I also want to leave an inheritance to our kids. Should we get more insurance?

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Above the clouds
Elena Elisseeva
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Will moving overseas affect your life insurance policies?

Q. I’m moving overseas — permanently — and I’m wondering if this will have any impact on my life insurance policies?

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Life insurance papers
Hemera Technologies, ThinkStock
[

Why whole life and not term insurance?

Q. Why is whole life insurance recommended over term life insurance for someone covered under their spouse’s benefits?

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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
[

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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