Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Katrina Ávila Munichiello is an experienced editor, writer, fact-checker, and proofreader ...

Variable universal life insurance (VUL) offers flexibility, but it also comes with investment risk. Many, or all, of the products featured on this page are from our advertising partners who compensate ...

These policies let you invest your cash value directly in mutual fund-like accounts, but they also carry risks if the investments lose money Written By Written by Insurance Staff Writer, WSJ | Buy ...

As a former claims handler and fraud investigator, Jason Metz has worked on a multitude of complex and multifaceted claims. The insurance industry can be seemingly opaque, and Jason enjoys breaking ...

Basic life insurance is a simple life insurance policy, often offered as part of a benefits package at a company along with group health insurance, paid time off and more. Companies often offer basic ...

Supplemental life insurance is additional coverage offered through your employer, usually at a discount. Supplemental life insurance typically doesn’t have a cash value component and coverage is often ...

Smokers pay much more for life insurance than nonsmokers, but the definition of a “smoker” can vary by company Written By Written by Insurance Staff Writer, WSJ | Buy Side Kimberly Lankford is an ...