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General WellnessHealth Insurance & Costs

7 biggest life insurance questions, answered

Find out where you can get life insurance, whether you'll need a medical exam and much more.

Mar 2, 2026
Home page>7 biggest life insurance questions, answered
Written byMaria Ferrante-Schepis
Medically reviewedbyAnn Wendling, MD, MPHin December 2025
Slide 1
What are the different types of life insurance?
Where should I buy life insurance?
What is a beneficiary?
Will I need a medical exam for life insurance?
Can I get life insurance if I'm older?
Does the cost of life insurance increase as I get older?
When should I reassess my life policy?
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Slide 1

Wondering about life insurance? Maria Ferrante-Schepis knows the subject from top to bottom. She’s a partner at the innovation agency Maddock Douglas, author of Flirting With the Uninterested: Innovating in a 'Sold, Not Bought' Category, and an advisor to several life insurance companies. Here, she answers your most pressing questions, on everything from the different types of life insurance to when you should reassess your policy.

Sources (6)
  1. South Carolina Department of Insurance. Understanding Life Insurance. Accessed March 2, 2026.
  2. New York State Department of Financial Services. Life Insurance Information for Consumers. Accessed March 2, 2026.
  3. Oregon Public Employees Retirement System. All About Beneficiaries. Accessed March 2, 2026.
  4. Insurance Information Institute. What Is a Beneficiary? Accessed March 2, 2026.
  5. Investopedia. How Age Affects Life Insurance Rates. January 8, 2026.
  6. Insurance Information Institute. How Often Should I Review My Policy? Accessed March 2, 2026.
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