From playing ultimate Frisbee in the rain to pulling all-nighters hopped up on nothing but a 12-pack of energy drinks, college students don’t always make the right decisions when it comes to their health. And breaking an arm during a mud-wrestling match can wipe out a student’s entire savings if he doesn’t have health insurance. That’s why it’s important to make sure your student has the proper coverage – whether it’s under your policy or their own – before heading off for college.

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Whether by a diligent insurance agent, concerned spouse or family member, chances are you have been asked this question: “Do you have life insurance?”

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Retained Asset Accounts and Life Insurance

The death of a loved one is a difficult time. In addition to the emotional stress present during the weeks, months or years following a death, financial burdens may also arise. While life insurance policies provide for a single payment of the death benefit, policies may also offer other payout options that are intended to fit your needs and those of your family.

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