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.

This is the third year I’ve published a life insurance agent’s to-do list. The list represents my humble attempt to suggest ways for agents to be more productive and effective in the year ahead. A few ...

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 ...