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.

Insurance agents face informed prospects requiring new presentation skills, defensive practices, and study group training ...

Discover how the American Agency System uses independent agents to find the best insurance policies for your needs, differing ...

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 ...

Understand costs, how 20-year term life insurance works and who it can help the most ...

Find out how life insurance rates are determined and how to compare rates and shop around for a better deal ...

In my article “Life Insurance Policy Themes for 2023,” I suggested a tweak in what I called the “discourse” among agents and others in the life insurance business. The tweak was to talk less about why ...