The Basics

• How does life insurance work?
• Why should I buy life insurance?
• How much insurance should I buy?
• If I buy $200,000 in insurance, does that mean I have to pay $200,000 a year?
• Can the insurance company decide to cancel my policy?
• Is there any reason an insurance company wouldn't pay my family the insurance money if I died?
• What happens if I'm still alive when my policy expires? Do I get my money back?

The Different Types of Life Insurance

• Which should I buy: term insurance or permanent insurance?
• What is whole life insurance?
• What is universal life insurance?
• What is variable life insurance?
• What is group life insurance?
• Are there any other kinds of life insurance?
• What is an annuity?

Choosing an Insurance Company and Finding an Agent

• What should I look for in an insurance company and agent?
• What information will I need to give an agent when I buy life insurance?
• What happens if my insurance company goes out of business?
• I already have life insurance, but I just heard about another company that offers better rates. Should I cancel my current policy and buy one with this new company?
• How can I make sure I don't get cheated?

Costs and Saving Money

• What affects the cost of life insurance?
• How can I save money on life insurance?
• Can I say I don't smoke so I don't have to pay so much for insurance?

Potential Problems

• What happens if I don't pay my premium on time?
• What happens if I fail my medical exam and the company won't sell me insurance?
• If I get very sick, can I use my life insurance to help pay my medical bills?

Life Insurance and Taxes

• If I'm the beneficiary of a life insurance policy, will the money I receive be taxed?
• If I withdraw money from a permanent insurance policy, will that money be taxed?

Getting the Money Owed to You

• How can I find out if I'm the beneficiary of an insurance policy of someone who died?
• If I'm the beneficiary of an insurance policy, how do I get the insurance company to pay me?
• How quickly will I get paid the death benefits?

Other Questions? Have a question that wasn't answered here? These other sites may be able to help:

• Insurance Information Institute
• FreeAdvice.com