The life insurance medical exam is part of many insurers’ underwriting processes to evaluate the risk of insuring you. The medical exam can be done at your home or office and typically takes ...

Learn how conversion privilege in insurance allows you to update policies without health checks. Explore benefits, key rules, ...

Term life insurance provides a death benefit to beneficiaries for a specified term, such as 10, 15, or 20 years. Learn about ...

A new asset-testing guideline for reinsurance deals will result in no direct action, even if regulators uncover negative numbers. The Life Insurance and Annuities Committee adopted the asset adequacy ...

Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny ...