Life insurance
For the people who count on you.
Understand term, permanent and final expense coverage. Start with the life you want to protect.
Let’s find your fitTerm life insurance
Protection for the years people depend on you.
Explore Life insuranceWhole life insurance
A closer look at lifelong protection and cash value.
Explore Life insuranceUniversal life insurance
Permanent coverage with moving parts worth understanding.
Explore Life insuranceIndexed universal life
Understand the policy before the projection.
Explore Life insuranceFinal expense insurance
A smaller policy for a specific responsibility.
Explore Life insuranceNo-exam life insurance
Less paperwork is not the same as automatic approval.
Explore Life insuranceLife insurance with health conditions
Your circumstances deserve an individual review.
Explore Life insuranceLife insurance for a mortgage
Give your family choices about the home.
Explore Life insuranceLife insurance for business owners
Protect the people behind the balance sheet.
Explore Life insuranceKey-person insurance
A contingency plan for a business-critical person.
ExploreClear answers
Life insurance: your questions.
Which type of life insurance should I explore first?
Start with the purpose and length of the protection need. Term coverage can address a defined period, while permanent products may address lasting needs with different costs and funding considerations. Compare those commitments before choosing a product label.
What factors affect life insurance premiums?
Common factors include age, health, nicotine use, coverage amount, policy type and underwriting results. Insurers evaluate applications differently. A calculator of coverage needs does not calculate a carrier premium.
Can I own more than one life insurance policy?
Yes, subject to insurer underwriting and financial justification. Different policies may cover different time periods or needs. Disclose existing coverage accurately and assess the total premium commitment.
Should a stay-at-home parent consider life insurance?
The loss of unpaid caregiving can create substantial replacement costs. Consider childcare, household work and the surviving family’s needs alongside income replacement. The appropriate amount is specific to the household.