Pat Cassidy

If you've been under the "life insurance policy worthiness" scanner lately, chances are, you're beginning to regret that whole life policy you bought a few years ago.

Traditionally, people wanting the benefits of both temporary and permanent life insurance have been relegated with purchasing two different types of policies.

Many stay-at-home moms ask for advice and recommendations on how to purchase life insurance protection on their spouse.

You like living life on the edge. You like stretching your limits just to see how far you can go, just to see if you can bounce back when you hit the bottom.

Adding riders to your life insurance policy are helpful because they make sure your coverage fits your specific needs.

Term life insurance online is an easy, inexpensive way to insure yourself for your family's sake. Permanent life insurance solutions, the less popular cousin of term life, are viewed with apprehension and suspicion these days by many, with a majority of middle class families opting for term life insurance because it is so much cheaper.

Long-term care insurance is insurance for large costs that could be incurred in old age, such as medical care, nursing care and all other forms of assistance you would need if you ever have a chronic illness or disability that leaves you unable to care for yourself for an extended period of time.

Permanent life insurance in the United States is typically explained as insurance coverage that protects the insured until the event of death, no matter what age he dies, and has a cash-value (or investment) component built into it that will serve as a savings bank of sorts, bringing the insured closer to self insurance as the years go by.

There are bucket lists of all kinds these days. Lists that expect you to step out of character or into one; lists that may require you to give up your time for others or spend time all to yourself.

You can't go wrong when you ask too many questions. Unfortunately, when it comes to life insurance in the United States, we find that most people don't ask any questions at all because there's so little consumer knowledge about life insurance.