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  If you’re military, you probably know all about Servicemember Group Life Insurance, or SGLI. It’s provided coverage for you and your family for your whole career. However, transitioning out of the military presents new life insurance options worth exploring. You can go with a Veteran Group Life Insurance policy (VGLI); life insurance through a military association such as American Forces Mutual Aid Association (AFMAA); or opt for private life insurance like term life or whole life. Either way, the best piece of advice any life insurance professional can give a retiring servicemember is this: get quotes early. You have 120 days from discharge to choose the best life insurance option for you and your family. You can stick with government group insurance or go private with term or permanent life insurance from a commercial life insurance company . But perform your due diligence to determine which will serve you best going forward. And if you’re leaning toward private, keep in mind

  When you requested your quote for life insurance online , you entered an estimate of how much life insurance you need. But is it accurate? And can you afford it? Determining How Much Life Insurance You Really Need Once you’ve submitted your life insurance application, it goes to underwriting for a process called Evidence of Insurability (EOI). This is where the insurance company conducts its due diligence to ensure they can afford to cover you and to establish a financial justification for the coverage amount you requested. Life Insurance companies base EOI on two things: your physical well-being and your finances. In most cases you’ll have to take a medical exam or at least answer some health questions. That’s to be expected unless you go the no-exam route. But your financial health is just as important as your physical health. While you could be in peak physical condition, you could be denied coverage if your financial health is failing. Underwriters assess your risk, as

  For those who want to bypass the time and hassle it takes to submit to the lab tests and exam for life insurance most life insurance companies require, a policy with no exam required may be the way to go. What Is No-Exam Life Insurance? Put simply, no-exam life insurance is life insurance that requires no medical exam, including blood and urine samples. And some may cover a pre-existing condition if you are otherwise in good health. Best of all, you can apply online to access affordable no-exam life insurance quotes . No-exam policies differ in their requirements. Some, like Simplified Issue, require no exam and ask little to no health questions. However, the policy will cost more and provide less coverage because the company collects less data and therefore assumes more risk. Others, like Accelerated Underwriting, ask for a bit more health information but cost less and provide more coverage. Neither requires a medical exam or lab tests . That said, here are three outst

  Why You Need Life Insurance Sooner Than You Think (and Why Term Insurance Makes Sense) Paul’s dad started pestering his 29-year-old son about buying life insurance soon after Paul got married. Paul kept putting it off. He and his wife wanted to travel. They bought a house. When they had a baby boy who was diagnosed with autism, they decided she would stay home to care for his needs. Money from Paul’s $130,000 salary came in and went out. And Paul lived in the moment through the good times and the bad. Then a car skipped over a median and split Paul’s car in two. The wide eyes of the driver in the other car were the last thing Paul ever saw. No one saw it coming. So no one planned for it. With no death benefit from a life insurance policy, her son’s daycare costs and medical bills, and her inability to earn what Paul had brought in, Paul’s wife filed for bankruptcy five years later. Life Insurance Is Important Most of us are too busy living life to think about what h

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