Lauren McCee is a licensed life insurance professional and the founder of SafeCoverageGuide.com. With years of experience in the industry, she created this site to help everyday families understand life insurance—without the sales pitch. Her mission is to break down confusing topics into simple, real-life guidance you can actually use. When she’s not writing, Lauren is a mom of two and passionate about helping others protect what matters most.
Pregnancy changes everything—and yes, that includes life insurance. Many expecting mothers wonder: “Can I still apply for life insurance while pregnant? Will my rates go up? Will I be denied?” The short answer is: yes, you can absolutely apply.But there are some important things to know—because pregnancy can affect your… Read More »Can You Get Life Insurance While Pregnant? Here’s What to Know
Life insurance might seem simple: You pay for a policy, someone gets money when you die. But legally and financially? It’s more complex. Depending on the type of policy, how it’s structured, and when the money is received… life insurance can be considered: Let’s break it down. 🔍 First—Is Life… Read More »Is Life Insurance Considered an Asset or Income? (Tax & Legal Truth)
If you work a high-risk job, life insurance gets a little more complicated. Whether you’re a firefighter, construction worker, military service member, or offshore welder—insurers look at your occupation differently. Some policies cost more. Some exclude certain dangers. And some may reject you entirely… unless you know where to look.… Read More »Life Insurance for People in Dangerous Jobs: What Counts as “High Risk”?
If you get life insurance through your job, that’s great… right? Not so fast. While employer-provided life insurance (also called group life insurance) is a nice benefit, relying on it as your only coverage could leave your family unprotected when they need it most. Let’s break down what employer life… Read More »The Truth About Employer Life Insurance: Are You Really Protected?
Someone has passed away… but no life insurance policy was in place. Now the family is scrambling to cover funeral expenses—asking: “Can we still get life insurance to help pay for this?” Here’s the truth:Once someone has died, you can’t buy a new policy on them.But there are a few… Read More »Can Life Insurance Cover Funeral Costs for Someone Who’s Already Died?
Life insurance protects your family. But what if you want more control over when, how, and to whom that money is paid? Enter the Life Insurance Trust—a powerful estate planning tool that’s not just for the wealthy. In this guide, we’ll break down: 💡 First—What Is a Life Insurance Trust?… Read More »What Is a Life Insurance Trust (and Should You Have One?)
Can you buy life insurance in the U.S. if you’re not a citizen? Yes—but there are some important rules, limitations, and paperwork you need to know. Whether you’re a green card holder, a temporary visa resident, or even undocumented—this guide will help you understand: 🛂 Can Non-Citizens Get Life Insurance… Read More »Life Insurance for Immigrants or Non-Citizens: What You Need to Know
Building a family can be beautiful—but also incredibly expensive.Whether you’re pursuing in vitro fertilization (IVF) or adoption, the costs can easily climb into the tens of thousands. But what if life insurance could help? Can you use life insurance to fund IVF or adoption?The short answer: yes—but not in the… Read More »Can You Use Life Insurance to Pay for IVF or Adoption?
It’s a nightmare scenario: a loved one vanishes without a trace. No body. No death certificate. Just unanswered questions—and a life insurance policy in limbo. So what happens to life insurance when someone is missing?Can you file a claim?How long do you have to wait?And what if they turn up… Read More »What Happens to Life Insurance When Someone Is Missing or Presumed Dead?
What if you were diagnosed with a terminal illness…and could access part of your life insurance while you’re still alive? It sounds too good to be true, but it’s not. It’s called an Accelerated Death Benefit (ADB)—and millions of policyholders have access to it without even realizing it. In this… Read More »The Truth About Accelerated Death Benefits (And How to Use Them)
It’s not something anyone wants to think about, but it’s a question insurance companies have to take seriously: What happens if the person insured is murdered?And what if the beneficiary is suspected—or convicted—of the crime? Yes, life insurance can cover homicide.But depending on the circumstances, the payout can be delayed,… Read More »Does Life Insurance Cover Homicide? (And What If You’re a Suspect?)
When most people think about “leaving a legacy,” they picture millionaires, foundations, and trust funds. But here’s the truth:You don’t have to be wealthy to leave a powerful, life-changing legacy behind. With the right life insurance strategy, anyone—yes, even on a modest income—can leave behind something that changes their family’s… Read More »How to Use Life Insurance to Leave a Legacy (Even if You’re Not Rich)
Divorce changes everything—your living situation, your finances, and yes… even your life insurance. Many people assume their life insurance policy is “set and forget.” But if you’ve gone through a divorce, the beneficiary, ownership, and even the policy’s value can all be affected—sometimes in ways that surprise you. Let’s break… Read More »Life Insurance and Divorce: What Happens After the Split?
You may have heard horror stories about inheriting a loved one’s debt after they pass. But what about life insurance? If someone dies with unpaid premiums, loans against the policy, or even medical debt—can that debt eat into your payout? Or worse… could you become responsible for their unpaid life… Read More »Can You Inherit Someone’s Life Insurance Debt?
College tuition is rising faster than inflation—and many parents are looking for smarter, more flexible ways to save. What if your life insurance policy could play a role in funding your child’s college education? Good news: It can. With the right setup, life insurance can help pay for college, cover… Read More »How to Use Life Insurance to Fund Your Child’s College Education