This explains why choosing between lump sum and monthly payouts is as important as coverage amount. The right structure helps ...

When signing up for insurance, people often worry whether they will receive sufficient insurance payouts when truly needed.

Our top picks include State Farm, Ethos and Lantern.

Level term cover is one of the most popular options. It simply means that the sum insured remains the same, or it is ‘level’, ...

With this type of insurance, you pay a regular monthly (or occasionally, annual) premium to a life insurance company. If you die during the term of the policy, a lump sum is paid out to your family – ...