Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny ...

In its most basic form, life insurance is a contract between the policyholder and an insurance company that provides a cash payout to a named beneficiary if the policyholder dies under covered ...

Umbrella insurance gives you additional coverage beyond your other insurance policies, such as homeowners insurance and auto insurance. If someone injures themselves on your property and sues you (for ...

Legal & General America and Lincoln Financial are the best no-exam life insurance companies, according to our analysis. These companies both offer competitive rates and important coverage features, ...

Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a ...