Who should and shouldn't have life insurance

Many of us rely on our employers for health insurance. So what happens when you lose your job? It pays to come up with a strategy. This article will help get you started.

Questions to ask about life insurance policies.

You can still get life insurance if you smoke. But you can get a better, more affordable life insurance policy if you don't use tobacco products.

Again, you may not have to buy it. Your employer may offer some for free, though it usually won’t cover more than a year or two’s worth of salary.

Life insurance, it turns out, is the wrong name altogether. What we’re really talking about here is death insurance. If you die, the people you’ve named as heirs in the policy get some money. Simple as that.