The life insurance industry sells products that promise future financial security, whether for the policyholder or their beneficiaries. Also known as the life and health (L&H) industry, the primary ...

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.

Life insurance is considered a fundamental part of sound financial planning. If you're a parent, spouse, homeowner or business owner (or some combination of those four) then you likely need the ...