Explore adverse selection in insurance, identify risks, and learn how insurers safeguard against it. Understand premium impacts and protection strategies.

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These policies offer flexible premiums and death benefits and several investing options, but understand what you’re buying to avoid surprises Written By Written by Insurance Staff Writer, WSJ | Buy ...

When you apply for most types of life insurance, there is no guarantee you will be accepted – at least not at an affordable premium. That’s because the life insurance provider might determine that you ...

Return of premium life insurance refunds most or all of your premium payments if you outlive the term length of your policy. Due to the refund feature, this policy type will generally cost more than a ...

When assessing how much life insurance you need, take a systematic approach instead of relying on rules of thumb.

For the third consecutive year, total life insurance new annualized premium set a new sales record, rising 1% to $15.7 billion, according to LIMRA’s U.S. Life Insurance Sales Survey. Life insurers ...