Term life insurance offers affordable coverage with a significant tax-free death benefit, but most policies don't pay out. Learn the pros, cons, and if it's worth it for you.

Even if you're young and single with no dependents, you may need some life insurance. Here's how to figure out what and how much you may need.

Ladder Life insurance promotes its low premiums with an easy online signup process and no medical exam for policies up to $3 million. These claims are accurate. However, if you have any medical conditions or you’re overweight — like me — you may not be able to get coverage through Ladder.