I am taking out a loan against the cash value of my life insurance policy. How do I know if my beneficiary has limited rights and also what is a collateral assignee?

I’m trying to figure out if I need a beneficiary signature. Also is collateral assignee for the policy provider to sign? Here’s screenshot of sig…

View More I am taking out a loan against the cash value of my life insurance policy. How do I know if my beneficiary has limited rights and also what is a collateral assignee?

Sorry to be a bother but can anyone explain what this stuff means and of i should go affordable care act instead. Just got off my medicaid under 21 and looking to get my first health insurance. I make under $15k a year.

These are the insurance plans provided by my employer i want to get the best insurance possible for the cheapest amount as i don’t have…

View More Sorry to be a bother but can anyone explain what this stuff means and of i should go affordable care act instead. Just got off my medicaid under 21 and looking to get my first health insurance. I make under $15k a year.