Life insurance is a valuable tool that provides a financial safety net for your loved ones after you die. As long as you make your monthly payments and keep your policy in force, you can rest assured ...

When you apply for life insurance, you'll usually need a medical exam. This checks to see if you have a disease or are at risk for one. They will also look for any current drug use. The exam may ...

Matt Richardson is the senior managing editor for the Managing Your Money section for CBSNews.com. He writes and edits content about personal finance ranging from savings to investing to insurance.

Taking key steps ahead of time can help you present the best case during the exam and qualify for better rates ...