Can a life insurance policy have more than 1 beneficiary?

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This is the place where you'll get up-to-date information on Term life online insurance, including money-saving tips, articles, company reviews and resources to help you learn about term life insurance.

You can learn how term life insurance works, get free term life insurance quotes, or learn about term life insurance no exams required.

Here's how you can review the top 10 life insurance companies.

Top Pick - Your Life Insurance Carrier
You will be asked to fill out a form which takes about a minute, then you will receive the five lowest quotes for term life insurance from a network of leading life insurance companies. 

The problem I see with Term life that if you live one minute past the expiration date, your loved ones get nothing and the renewal rate can be very high.

Yes, if you outlive the term of your term life insurance policy, the coverage, ends, which is why the rates are so much lower than whole life insurance.

In addition, rates can increase at renewal of a term life insurance policy, based on your age at renewal.

However, whole life insurance rates are much higher than term life from the very start of your life insurance policy.

You can save the difference in an investment account and have that after your term life policy ends, if you do not renew the coverage.

Term life insurance plans may provide coverage for a period of 10, 15, 20 or 30 years, or until you reach age 65 or 70, usually.

Here's how you can learn more about term life insurance vs whole life insurance.

Yes, a diabetic may be able to qualify for a life insurance policy.

Controlled diabetes is not a problem at all in buying life insurance.

For instance, Empire General may offer standard rates, not even rated. Empire General merged with West Coast in the past. The rate they offer will depend on your age, health, type of diabetes, how long you have had diabetes, how it is managed, your height-to-weight ratio, as well as, other underwriting factors that may affect your acceptance for life insurance coverage.

Here's how you can learn more about life insurance for diabetics and find out how you can compare diabetes life insurance plans.

Yes, you may be able to take a loan out on your life insurance policy.

If you own a whole life or cash value life insurance plan it may build cash value inside the policy over time.

However, you will need to wait several years for "cash value" to accumulate, and then you can borrow only a portion of the amount of that cash value inside your life insurance policy.

You have to pay the money back with interest to your life insurance policy.

Here's how you can learn more about whole life insurance and how it works.

Yes, it's possible for a diabetic to buy life insurance.

It all depends on what type of diabetes you have and how bad your diabetes is.

Type 1 Diabetes is tougher than Type 2 Diabetes.

Insulin dependent is tougher than diet controlled diabetes.

There are life insurance companies that offer coverage for diabetics. It will cost more than if you did not have diabetes.

The insurer will consider the type of diabetes, your age and health, how long you have had diabetes, how you manage your diabetes, the medication you take, your height-to-weight ratio, and other health issues.

7 Everyday Activities That Reduce Your Lifespan

Research has shown that unhealthy habits can take away as many as eight years of life, on average. Sometimes, even the smallest everyday activities we partake in can greatly affect our health and vitality. Take a look at these seven everyday activities that can reduce your lifespan.


Personal traits like optimism and pessimism can greatly affect many areas of your well-being and general health. The thing about negative thoughts is that they promote and heighten stress levels and reflect what you think about yourself. If you can approach a situation with positivity, and not negativity, you will be more productive and determined. The effects of positive thinking can yield increased life span, lower rates of depression and stress, and even reduce the risk of cardiovascular disease.

A key to leading a healthy life is eating healthy foods. Too much intake of processed foods can cause an array of health problems including diabetes, heart disease, and even increased risks cancer. The key to processed foods is moderation of high saturated fats and sugar products.

Believe it or not, there may be conditions of living in a highly urbanized environment that can degrade your health. Surrounded by pollution, noise, millions of strangers, lights, pavement, and a lack of nature, city life can be harmful for our mental and physical health. Urban designers are faced with an important milestone: for the time in history, the majority of the world’s populations are now living in urbanized cities. This poses a plethora of problems that deal with housing, health, environment, and social conditions.

Nearly four billion people around the world are using cell phones — and more signing up by the very minute. It’s an alarming concept to think that the combined radiation, even though they are low-level radio-frequencies, from all these cell phones could potentially affect our health adversely. While the wireless industry affirms that radiation from cell phones lacks the strength to alter molecules in the human body and lead to cancer, other scientists are not so quick to label them as completely safe.

According to researchers at a Toronto Hospital, every hour spent behind the wheel could lead to a 20-minute loss in life expectancy. If you factor in tiredness, stress, traffic, weather conditions, mindlessness, and road conditions, the chances for crashes increase dramatically. Many people are getting behind the wheel too emotionally charged or under the influence to drive safely, which affects everyone else on the road. Fatal accidents continue to be a leading cause of death for young and older people alike.

Nowadays we have laptops, desktops, advanced TV sets, gaming systems, and cell phones. All these technologies have one thing in common that is not only bad for your health, but may be life-threatening: you have to stare at a screen. According to the Journal of the American College of Cardiology, increased risks of heart attacks and strokes are more prevalent in people who spend more than four hours in front of a screen a day. Aside from harmful effects to your vision, this study may also not account for another factor that comes with simply looking at a screen – it indicated prolonged sitting or periods of inactivity.

Conditions like insomnia, anxiety, attention deficit disorders, and depression are not life-threatening, but may impose many inconveniences in our lifestyle. Many people who regularly take medications to treat these conditions, may experience distressful side effects like decreased alertness and coordination, time sensitivity, breathing problems, and misjudgment. The concern about these psychiatric medications is that they are increasingly being prescribed for people who show little or no signs of what the medication is supposed to treat. Since the FDA does not require many drug companies to provide long-term effectiveness of a particular drug, it falls to people to make the right choices in which medications to take.

Lifestyle Blue For Small Businesses From BCBSRI

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Blue Cross Blue Shield of Rhode Island (BCBSRI) has recently introduced Lifestyle Blue which is the newest medical plan aimed at small businesses.  This is the first of its kind for the state of Rhode Island and there is great anticipation for success.  The plan is for employers with fifty or less employees and are looking for quality health insurance that is affordable.

The plan is outlined with and three in one approach to appeal to small business owners.  Each plan is geared towards the different stages in life making it suitable for all ages.  It’s also tailored with demographic area in mind as well.

The first plan is called On Your Own, which is aimed at young, active and healthy employees.  Then there is the Family Matters plan targeted for employees with families who need quality health care.  And the third plan is House To Yourself for empty nesters.  There really is something for everyone and small business owners will like this aspect.

There are varying deductibles, urgent care, and emergency co-pays including varying prices for prescriptions so members truly do have options.  Employees pay the same rate regardless of the plan they choose keeping costs down.  None of the plans have co-pays for primary care visits assuming the physicians used are designated as patient-centered medical homes (PCMHs).  Small business owners are always looking for quality plans that can give their employees real options and this plan from Blue Cross seems to hit the nail on the head.

Written by Sam Tabes