With a background in journalism and counseling, Penny Min blends analytical research with real-world insight to help readers make informed financial decisions. At Forbes Marketplace, she specializes ...

MassMutual’s flexible payment options are best for those interested in paying off policies early. New York Life is known for fast applications while Penn Mutual has lots of rider options to customize ...

In the insurance industry, an annual dividend is a yearly payment given by an insurance company to a policyholder.

Explore against all risks insurance, which provides comprehensive coverage for many losses, with some exclusions. Learn how it differs from named perils policies.