Life insurance can do more than just provide for your heirs — here’s how to maximize your policy while you’re still here.

Best for rider options. Penn Mutual: Best for a long history of dividends. AARP: Best for smaller coverage amounts. If you’re looking to treat your life insurance policy as a cash asset ...

Despite taking both life and health insurance policies, policyholders are suggested to opt for a critical illness rider. This ...

Life insurance provides financial security for beneficiaries when a policyholder dies, but some offer living benefits that can be valuable before their death.

When you buy life insurance you may have a choice to add any of several types of riders. Life insurance riders are a way to add features or extra coverage to a policy, but many may not be worth ...

Here are some common types of permanent life insurance: While the above riders can enhance your policy’s flexibility, they usually come at an additional cost. Be sure to weigh the benefits ...

Connect Images / Getty Images A long-term care rider lets you use some of your life insurance money while you're alive to pay for long-term care costs. What Is a Long-Term Care Rider? A long-term ...

New York Life: Best for fast applications. Penn Mutual: Best for rider options. A mutual life insurance company is owned by its policyholders, not external shareholders — meaning policyholders ...

To compare company offerings, we look at several aspects of a policy, including but not limited to riders, policy flexibility, no medical exam life insurance options, and instant approvals.

and universal life insurance, each with multiple policies and optional riders. Business Insider's personal finance team compared AAA Life Insurance to the best life insurance companies.

Ashlee is an insurance editor, journalist and business professional with an MBA and more than 17 years of hands-on experience in both business and personal finance. She is passionate about ...