Insurance is a tricky subject, and it's also one that many people don't like to talk about because of the morbidity of it. But the fact is, people die, including students. And in some cases, it can make sense for college students and young adults to have life insurance.

However, no parent ever wants to think about the loss of their child. But you know what's worse? Being burdened by debt along with despair in the event a loss happens. It's for this reason that life insurance could make sense for some students.

The key driver of whether you should purchase life insurance for your student is simple: does your college student have private student loans with a parent being the consigner? If so, the answer is a resounding yes. Otherwise, you ...

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Life insurance in today’s marketplace is not like our father’s insurance of the 60’s, 70’s & 80’s. Hmm… Why is that you might ask?

For one thing Life Insurance is now available with a features or added value at no extra cost called, “Living Benefits or Accelerated Benefits.” That’s right the companies I write with offer it with no extra charge! Typically older policies written many years ago may not have that important benefit. So everyone needs to check what they have and investigate if this is something worth looking at, I find in my cases it certainly is. In explaining what a living benefit is, let’s take a look.

Without sounding morbid, death is certainly going to happen to...

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