Personal Insurance

If you’re a parent, you’re basically running a tiny company: payroll (your income), operations (childcare), and risk management (everything that can go wrong at 2 a.m.). Life insurance for parents isn’t fun, but it’s one of the cleanest ways to make sure your family’s lifestyle doesn’t collapse if you’re not around. This guide keeps it […]

The life insurance contestability period is a time window—often two years from the policy start date—when the insurance company can take a closer look at a claim and verify the information on the original application. This doesn’t mean the insurer is “trying not to pay.” It means they’re checking whether the policy was issued based

How long does it take to get life insurance money? In many normal cases, beneficiaries receive the payout within about 14 to 60 days after the claim is filed—sometimes faster, sometimes slower depending on documents and whether the claim is “clean” or needs extra review. This guide explains the real-world timeline, what slows things down,

Does life insurance go through probate? Most of the time, no. If a life insurance policy has a valid, living named beneficiary, the insurance company typically pays the death benefit directly to that beneficiary—outside of probate. But there are exceptions. And those exceptions are exactly where delays, paperwork battles, and “why is this taking so

Is life insurance taxable? In most cases, the life insurance death benefit paid to a beneficiary is not taxable as income.Still, is life insurance taxable in some situations? Yes—mainly when interest is added, cash value is involved, or the policy ownership/transfer creates tax issues. This guide explains the rules in plain English, with practical examples