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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

The author is paid for product endorsements and has an ownership or other financial interest in the businesses related to the topics covered.

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Accidental death life insurance

originally posted: 6/7/2006  revised: 11/29/2010

Q: You said that "Liaison Traveler" policy can be used as a short term life insurance policy while changing jobs. That policy is intended for international travelers. Does the coverage apply even in an accident here at home?

A: Yes the coverage applies the same at home. The "Liaison Traveler" policy at Freedom Benefits provides coverage up to $500,000 of accidental death protection. The policy can be purchased for 3, 6 or 12 months at a time. Coverage is issued immediately online at a typical cost of about $60 every three months (actual price depends on age and amount of coverage). The coverage can be cancelled at any time.

This insurance is often used by people changing jobs is that it is fast, inexpensive and covers the most likely cause of death in the near term for a younger person who is in-between jobs. Additionally, it can be retained longer after the job change to keep extra coverage in force.

Travel-type life insurance provides coverage after returning home from a trip.

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