The bottom line Are work trips to war zones covered by life insurance? Do not assume they are. A policy may exclude death resulting from war or military action, while another contract may handle the risk differently. Read the exclusion, disclose the itinerary, and confirm the answer in writing before departure. Key facts A war … Read more

The bottom line A life insurance worksheet that includes assets debts and future expenses helps you estimate a coverage target by adding debts and future costs, then subtracting usable assets. The result is a planning number to discuss with a licensed life insurance agent, not a promise that an application will be approved. A worksheet … Read more

The bottom line Portable life insurance that follows you between employers can let you continue an employer-sponsored group policy after you leave. It may be useful as a bridge, but your certificate controls the election deadline, premium, amount, and end date. Compare that option with an individual policy before your employment coverage ends. Portable life … Read more