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Individual health insurance can be expensive. Unlike group plans, in which the costs and risks associated with health care are spread among many people; individual health policies are "medically underwritten" to take into account your personal health history.

Any "pre-existing" condition such as heart disease, diabetes, and even pregnancy, can ruin your chances of acceptance or boost your premiums. To determine the acceptability of a particular applicant, a health insurance underwriter can require information regarding the following:

Universal variable life insurance is also commonly referred to as flexible premium variable life insurance. This kind of policy combines the flexible features found in universal life insurance policies and the investment alternatives of variable life insurance. As with universal life insurance, the policy holder can choose to raise or lower their premiums in a single policy. As with variable life insurance, individuals have the right to decide how their cash worth will be invested.

Uncle Sid died a couple of months ago at a ripe old age and named you as beneficiary in his life insurance policy. The problem is that you cannot find the life insurance policy. You have no idea which insurance company wrote it.

If you find the missing life insurance policy in the future, are you still eligible to receive the death benefit?

If you're a beneficiary and you find the lost life insurance policy within six months to a year after the insured dies, claiming the death benefit should be trouble-free.

If you are driving your first car and are new to car insurance, you should know about the myths surrounding car insurance. You should also have a general idea about car insurance rates.