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Surprises are a constant companion of life. Some of them are good, like birthdays and weddings. Others are unpleasant, like sudden ailments and accidents.

ROCHESTER, N.Y. – Life insurance is a critical yet often overlooked financial tool, especially for those who are the primary earners in their families. Financial experts emphasize the importance of ...

Without the right insurance coverage, you could end up facing unexpected medical or repair bills, which can wipe out your savings or force you to turn to high-interest credit cards. However, deciding ...

There are two main types of life insurance: term and permanent. Term life insurance is typically more affordable than permanent life insurance because it is only active within a set period. Most ...

Our top picks include State Farm, Ethos and Lantern.

When it’s time to get life insurance, you need to understand your options. Both term insurance and permanent life insurance pay death benefits to a beneficiary but with some important differences in ...

Cash value life insurance is a type of permanent life insurance that uses your monthly premiums to build value within the policy. Cash value life insurance combines the benefits of life insurance with ...

Mortgage life insurance, also known as mortgage protection insurance (MPI), is designed to pay off your mortgage when you die. Some MPI policies also offer coverage for a limited time if you lose your ...

Reduce premiums by covering two people with one policy for estate planning and other financial goals ...