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Guaranteed insurability riders are special clauses, designed to protect an insurance policyholder from unexpected changes in their circumstances, and the subsequent effects of those changes. A guaranteed insurability rider is used to adjust the terms and conditions of an insurance policy to...

A straight life insurance policy has been one of the most popular forms of insurance ever. For years it has been used to protect and grow policyholders' funds--and not just the rich. Straight life policies offer many benefits, not only that of a variable life or universal life coverage, but also...

Keyperson insurance, otherwise known as key man insurance, is basically an essential form of business insurance covering the activities of the main insured individual or the company as a whole. However, there is no strict legal definition of key person insurance. Key person insurance may have a...