Trades Life Insurance Guides | Blue Collar Workers Covered

Borrowing Against Life Insurance Cash Value and What Lapses a Policy

Blue Collar Workers Covered Editorial Team

Published on: 20/10/2026

Borrowing against life insurance means the insurer lends against your cash value: no credit check, interest compounds, and an unpaid loan can lapse the policy.

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Indexed Universal Life Insurance Explained for Working Families

Blue Collar Workers Covered Editorial Team

Published on: 20/10/2026

Indexed universal life insurance explained: where premium dollars go, how caps, participation rates and the 0% floor work, loans, lapse risk and cost vs term.

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