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

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These complex products tie cash value growth to the performance of an index, but it’s important to understand the limitations ...

How to choose a policy that provides lifelong coverage and often a cash value feature Written By Written by Insurance Staff Writer, WSJ | Buy Side Kimberly Lankford is an insurance staff writer at Buy ...

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 ...