The life insurance medical exam is part of many insurers’ underwriting processes to evaluate the risk of insuring you. The medical exam can be done at your home or office and typically takes ...

Learn how the Cash Value Accumulation Test (CVAT) determines if a financial product is taxed as insurance or an investment with potential tax benefits.

Discover how insurance risk classes determine premium costs and risk assessments, impacting your insurance rates based on health, lifestyle, and more.

The richest of the rich can use life insurance to avoid estate and income taxes. Private-placement life insurance is perfectly legal — unless a new bill passes. A financial advisor tells BI how the ...

Parents are meant to guide their kids through life, whether it's as toddlers, children, teenagers, or even as adults. And as time passes, life seems to become increasingly difficult. But with good ...

Ashlee is an insurance editor, journalist and business professional with an MBA and more than 17 years of hands-on experience in both business and personal finance. She is passionate about empowering ...