Matt Richardson is the senior managing editor for the Managing Your Money section for CBSNews.com. He writes and edits content about personal finance ranging from savings to investing to insurance.

Also, with a guaranteed-issue policy, you often have to wait for two to three years before you can get your full death ...

Matt Richardson is the senior managing editor for the Managing Your Money section for CBSNews.com. He writes and edits content about personal finance ranging from savings to investing to insurance.

Regardless of how well you know your clients or believe that you understand what they want, some of their comments and motivations still may surprise you. That’s why asking the right questions is ...

This document shows how a policy can perform in certain scenarios, but the actual outcome might be very different ...

In previous articles, including “Life Insurance Policy Themes for 2023,” I suggested that if the life insurance discourse, which I broadly defined in that article, were to move on from the “why to buy ...

Quotes can vary significantly by insurer for the same coverage.

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One way to read people's minds: Type a few characters into Google and see how Google offers to complete what you're typing. We studied what people are thinking about life insurance by opening a ...

How do life insurance policies work? Life insurance is a contract between you and an insurance company. You pay premiums to keep the policy active, and in return, the company pays a sum of money, ...