20 Life Insurance Blog Topics to Boost Your Web Traffic

Traffic. Talking about life insurance isn't the most exciting topic for most people. It is our belief that insurance blogs can break the taboo by revealing some of the questions that people may be too shy to ask about life insurance.

In this article, we would like to provide you with 20 life insurance blog topics you can dig deeper into by providing helpful answers to your readers and as a result, bring decent traffic to your blog.

Here are 20 blog posts that answer common questions people have about life insurance:

1. Why Do You Need Life Insurance During a Recession?

Paying for life insurance might not be the top priority during times of recession. Having a safety net for your loved ones when times are tough is even more important.

The article may start off with a list of reasons why life insurance is so important, even during bad times.

After that, you can answer questions like:
Do life insurance rates rise during a recession?
Is it better to buy a term life insurance policy instead of a whole life insurance policy?
Is it possible to withdraw from my existing policy without reducing the coverage?
Does my insurer still pay out death benefits during a recession?
How likely is it that my insurance company will go bankrupt, and what will happen to my policy if that happens?

2. Do Stay-at-Home Parents Need Life Insurance?

You may not think stay-at-home parents need life insurance. Write an article to explain why they might need it, as well as the benefits of having it.

Those who stay at home with young children still have financial value to their family. If one of them dies, the surviving spouse must work to pay the bills, so they will need a nanny or daycare.

3. Why Is Life Insurance Important for Self-Employed?

Whether someone is self-employed or runs a small business, they still need life insurance if they have dependents. In addition, you could discuss the specific reasons for business owners to purchase life insurance in case they pass away, for example:

Appointing a successor.
Repaying debts or real estate related to the business.
Business partners (as beneficiaries) acquiring your shares through a buy-sell agreement.

4. The 8 Critical Time in Life That You Need Life Insurance The Most

Everyone does not need life insurance. However, there are a few circumstances in life where you may need life insurance more than you think.

Write an article that readers can use as a guide when it might be time to consider purchasing life insurance.

Here are some of the critical occasions:

Getting married
Having a child
Supporting aging parents
Buying a house with a mortgage
Taking out a loan
Starting a business
During a recession
Becoming Self-employed
Becoming stay-at-home parents

5. Can I Cash in a Life Insurance Policy?

Insurance policies can be redeemed for cash. In contrast to term life policies, whole life policies, universal life policies, and annuities accumulate cash value over time.

Cash accumulation can be accessed through withdrawals, policy loans, partial surrenders or full surrenders. Altering your policy could reduce your death benefit.

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6. Can I Buy Life Insurance on My Elderly Mom or Dad?

Despite the fact that no one wants to think about the death of their parents, the truth is that they are more likely to pass away before we do. Knowing this can provide you with peace of mind in difficult circumstances.

In this article, you may wish to mention the following benefits:

To cover the cost of final arrangements - Funeral costs have increased more than ever, and they will continue to rise.
In order to pay for their medical bills - The last few years of a person's life can often be expensive in terms of medical bills. Life insurance can provide coverage for these expenses.
A surviving parent may find it difficult to live alone in the same home after one of their parents passes away. The surviving parent might benefit from moving closer to their children or into an assisted living facility.

"Do you know?

The Major Life Insurance Motivators are Burials/Final Expenses and Wealth Transfer

A 2020 report stated that 84% of Americans indicated that burial/final expenses were a reason they acquired life insurance, and 66% stated wealth transfer as another reason.

Check out more in this post: 20 Sad Facts and Stats About Life Insurance"

7.Should I Buy Life Insurance for Children?

When a breadwinner dies, life insurance helps dependents cover ongoing living expenses (e.g. bills).

Your children do not make enough money to support you. If the worst happens, no one would depend on them financially.

But in fact, some people do buy life Insurance for their children with reasons such as:

To save for the child's future expenses, such as college
by investing and accumulating cash value
To lock in affordable premiums at a younger age when the premiums are lower

and to cover funeral costs

8. Can I Name My Pet/Dog/Cat/Snake as Beneficiaries?

Pets are like children to some people. If a pet dies, no owner wants to leave them unattended. Nevertheless, you cannot name your pet as a beneficiary of a life insurance policy.

It is possible to protect your pets if you die by using your life insurance policy. Write an article discussing alternative options such as setting up a pet trust, naming a guardian or caregiver.

9. Does Life Insurance Cover Deaths Due to Coronavirus?

The coronavirus is not excluded from life insurance coverage, and you will not lose your death benefit if you die of it, as long as you disclose all details honestly during the application process.

In this article, you may also answer related questions such as:

When a pandemic occurs, should I get life insurance or increase my coverage?
Is it more difficult to get approved for life insurance during a pandemic?
Would I need to undergo a medical examination to apply for life insurance?
How does traveling affect my application for life insurance?
If I contract the Coronavirus during the application process, what happens?
If I die from the Coronavirus during the application process, what happens?

10. Can I Still Buy Life Insurance If I Had Coronavirus?

An insurance policy's premiums are determined by your health and medical history. The following article examines some possible scenarios.

An insurer will approach an application from someone who has contracted the Coronavirus differently. It may be postponed for up to 90 days or until he/she can provide proof of full recovery.

The applicant may also be required to provide a statement of good health if he/she has come into close contact with a person who has tested positive for COVID-19.

Consequently, if you are currently applying for insurance, it is reasonable to assume that a global health crisis like the Coronavirus would have some impact on your policy acceptance and premiums.

11. Can I Still Buy Life Insurance If I Had Cancer/Diabetes/High Blood Pressure/High Cholesterol?

Applicants with pre-existing conditions may pay a higher premium or be excluded from coverage, but the good news is that they may still be able to obtain life insurance.

There are some things you should expect when applying for life insurance with pre-existing conditions:

You will have to wait longer for approval - Insurance companies will request your medical records to determine your insurance eligibility. This is usually a lengthy process.
Prepare to pay higher premiums - People with major medical conditions usually pay higher premiums than healthier people.
Decline of coverage - Insurance companies might refuse coverage if they deem the conditions too high a risk.

12. Can I Get Life Insurance If I Suffer from Anxiety Disorder or Depression?

Depression can result from anxiety. Suicide is more likely in people with major depression.

People with mental health conditions can still purchase life insurance. Life insurance companies will consider your condition when reviewing and approving your application for coverage.

In many cases, anxiety or depression without additional complications or symptoms, or mild to moderate depression, might not impact your underwriting class.

13. Can You Still Get Life Insurance If You Have Been Denied?

If your life insurance application is denied by an insurer, you may still be able to get group life insurance through your employer.

Many employee benefits packages include life insurance coverage based on the multiples of your annual salary. You are entitled to it even if you have pre-existing conditions or a family medical history.

14. What to Do If I Am Denied Life Insurance?

There's good news - it's not the end of the world. Other types of policies are available as well. A term life policy may be a better alternative if you are rejected for a permanent life insurance policy. Before you do so, here are a few steps you may want to take:

Learn why you were denied
and determine whether you have a right to appeal
Find out if your employer offers group life insurance
Talk to an insurance agent
about a different type of policy

here: Dave Ramsey's article.

15. Common Reasons Why Insurers Deny Life Insurance Claims

The terms under which a death claim can be denied vary from provider to provider. These include death due to suicide within the first two years of the policy, drug overdose, illegal activities, dangerous activities (such as skydiving or motorcycling), murder by a beneficiary, or acts of war.

During the contestability period, some insurers denied claims for reasons such as lying about income, failing to disclose another life insurance policy, misrepresenting pre-existing health conditions, failing to mention smoking habits, and even because premiums weren't paid. (source)

16. 10 Factors That Will Affect Your Life Insurance Premium

Your life insurance premium is the amount you will have to pay. By calculating the overall risk for an insurer to pay out a claim during the life of the policy, an insurance company determines your premium. The following are 10 factors that will affect your life insurance premium:

Your age
Your gender
Your health condition
Your family medical history
Your smoking status
Your drinking habit
Your occupation
Your lifestyle (e.g. frequent travel)
Your hobby (e.g. riding a motor-cycle)
The payment mode (e.g. monthly or annual)

For more information, also read this post from lifeinsure.com.

17. Will My Life Insurance Payout If I Die Abroad?

The majority of life insurance companies will pay death claims if the insured passes away anywhere in the world. However, proof of death must always be provided. A few general exceptions still apply, such as acts of war or suicide within the first two years following the inception of the policy.

You should remind your readers to notify their insurers about their future travel plans. Based on the location, duration, and nature of the trip, they will decide if the existing policy is valid or not.

An alternative is international life insurance. If the insured dies outside the United States, it works similarly to term life insurance.

18. What Happens to My Life Insurance If I Don’t Die?

You can let the term of your life insurance policy expire and go without coverage if it has already expired. Nevertheless, if your children are still young and financially dependent on you, you have a few options to continue the coverage:

A renewal of the current policy (and under what circumstances it applies)
Changing the existing policy
Considering a different life policy

Another common question is: “Do I get my money back?back?back?“ It all depends on whether it is term insurance, whole-life insurance or return of premium (ROP).

It will be a rich discussion whether your readers are considering buying life insurance or have a life policy that is about to expire.

"Do you know?

Suicide is Not Covered Within the First Two Years of a Policy

Sadly, suicide is the tenth leading cause of death for Americans. (Source: American Foundation for Suicide Prevention) That’s why many life insurance policies have special terms i to account for suicide.

Check out more in this post: 20 Sad Facts and Stats About Life Insurance"

19. Is Life Insurance Reliable After Death?

Hooray! The story sounds intriguing. It is not uncommon for people to die with life insurance policies that their loved ones never knew they had. When a life insurance policy was paid up years ago, even the owner might forget that it exists.

In addition, if life insurance money is not claimed, the policy and the money spent on it are completely wasted.

A simple solution does not exist. Common sense sometimes applies. List out ways to uncover insurance coverage in an article. Check bank transactions, check old annual statements, and contact major life insurers, for example.

20. How Do I Know If I Am the Beneficiary of an Insurance Policy?

It isn't the insurer's responsibility to notify beneficiaries of a life policy - they don't even know the insured has died. Finding out if someone has life insurance is similar. Online resources and professional services can also be included. Unclaimed assets can be searched at the following websites:

http://missingmoney.com/
NAIC - Insurance Policy Locator
Unclaimed.org - National Association of Unclaimed Property Administrators

Conclusion

Blogging can be very demanding because it requires constant effort to produce content. In addition, blogging is growing at an unprecedented rate, making the competition more challenging. To stay on top of the game, you need to publish quality content consistently. It can be hard, but the effort will pay off in the long run.

This list should have given you some ideas to enrich your insurance blog. It's time to get started. Good luck!