You are probably doing more and more business online and that’s smart. It’s easy to research and save money and time when you let your fingers do the work. But is it safe to buy life insurance online? Yes and No.

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As a new year gets underway, there are a lot of New Year resolutions being made. While you are preparing all sorts of lofty goals for 2013, though, don’t forget one of the basic ways to protect your assets: Make sure you have adequate insurance coverage.

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Ask that question at a dinner party and you’re bound to get some pretty intense responses. That tends to happen when you talk about kids and death in the same sentence. But let’s take a practical look at the pros and cons of life insurance for children and decide for ourselves whether or not it’s worth it.

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I sure love playing games. And games sure have taught me a lot about life and finances.

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You have to pay premiums whenever you sign up for any insurance policy. Your premium is always based on the perceived risk you represent. In the case of life insurance policies, this perceived risk has to do with a formula that companies use to calculate the likelihood that you will die before you become profitable. The greater risk you pose, the higher your insurance premium. Here are 5 lifestyle choices that can mean a higher life insurance premium:

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