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When the owner of a life insurance policy passes away, the insurance provider issues a payout to their beneficiaries. In the circumstance you are named as a beneficiary on an insurance policy, it is best to submit a claim form as early as possible to receive the death benefit.
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Life insurance is essential for both spouses, regardless of income, to ensure financial security in case of the unexpected. Between joint or individual policies, see which coverage best protects your family.
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Key person insurance is designed for businesses that are dependent on the expertise of one or more key employees. By taking out a life insurance policy on a key employee, you protect the business financially if that person passes away.
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