Your income doesn’t directly affect what you pay for disability insurance like your age or medical history do, but your rates will be higher if you have a high income because you’re paying more to ...

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our editorial standards and how we make money.

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our editorial standards and how we make money. “Guaranteed-renewable” and “non-cancelable” are policy ...

Although baby boomers had the highest percentage of generational life insurance ownership in 2023, 27% still reported that they needed more life insurance, whether they need to buy a policy for the ...

How much is whole life insurance? The average cost of whole life insurance is $451 per month. That’s the amount a 30-year-old who doesn’t smoke and is generally in good health will pay for a $500,000 ...

People living with HIV may qualify for term and whole life insurance with a few insurers, but coverage will likely be costly. Final expense and group life insurance are also options if you’re HIV ...

Vaping won’t prevent you from getting life insurance, but insurers will consider you a smoker. Life insurance for vapers is two to three times more expensive than for non-smokers. Antonio Ruiz-Camacho ...

Patrick Hanzel, CFP®, is a certified financial planner and advanced planning manager at Policygenius. His expertise has been featured at Lifehacker, Consumer Affairs, Authority Magazine, Thrive Global ...

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our editorial standards and how we make money. If you’ve heard of popular financial-literacy expert ...

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our editorial standards and how we make money. It’s worth getting a policy if your job offers it, since ...

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our editorial standards and how we make money. Disability insurance can protect your income if you’re ...

Life insurance prices are primarily based on life expectancy; taking into account an applicant’s age, health, hobbies, and medical history. The riskier you are to insure or the shorter your life ...