Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a ...

Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, ...

Across the United States, billions of dollars in life insurance benefits are sitting in limbo because families never realize ...

Learn the ins and outs of collateral assignment in life insurance policies, how it secures loans, and what it means for your beneficiaries.

Find out more about its costs and special features.

Life insurance can help your family replace lost income, pay off large debts and allow you to leave a financial legacy after you die. But it can be complicated. There are lots of different policy ...