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.

Ask your agent which type of life insurance, term or permanent, best suits your needs. Confirm with your agent if your policy offers living benefits, like access to cash value or critical illness ...

Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, ...

An independent insurance agent is a salesperson who represents multiple carriers. Find out if one is right for you. Many, or all, of the products featured on this page are from our advertising ...

There's a lot to consider when you're buying insurance, and an insurance agent is usually the person who helps you find the coverage you need. However, insurance agents have limitations and may only ...