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Life Insurance

Determining what life insurance you may need — including benefits, costs and the time to buy — can be challenging. Deepen your understanding of whole, term and universal life insurance and how these solutions could help increase security for you and your loved ones. 

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How Does Life Insurance Work?

From purchasing coverage to how the death benefit works, this guide will help you understand how life insurance works.
A family on a walk in nature discussing what life insurance is

What Is Life Insurance & How Does it Work?

This guide answers some of the common questions about life insurance, including how it works, when you might want it, and how much it costs. 
Family of three walks and discusses why life insurance is an important part of their future planning

5 Reasons Why Life Insurance Is Important

Helping to replace lost income is just one of the reasons why having a life insurance policy can be important.
Senior couple takes a walk outdoors and discusses if they should purchase life insurance

9 Reasons People Purchase Life Insurance

There are plenty of reasons why people buy or increase a life insurance policy that you might not have considered.
Friends sit together at a cafe discussing life insurance for young adults

The Benefits of Life Insurance for Young Adults

As a young adult, you may not have thought about the potential benefits of purchasing a life insurance policy. Here's what to consider.
A mature couple sits together on a couch and reviews their overfunded life insurance policy

What Is Overfunded Life Insurance?

Paying extra into a permanent life insurance policy is called overfunded life insurance. Here's some information to consider.
Young mom carries her daughter on her back after adding life insurance riders to her policy

What Are Life Insurance Riders?

Life insurance riders, such as a waiver of premium rider and conversion rider, are a way to personalize your coverage.
Business partners discuss whether or not they can take out a life insurance policy on anyone

Can You Take Out a Life Insurance Policy on Anyone?

If you would suffer a financial loss as a result of another person's death, then there may be coverage options available. 
A mother and daughter discuss the choice between a revocable beneficiary and irrevocable beneficiary

What Is a Revocable Beneficiary?

Here's some information on how a revocable beneficiary differs from an irrevocable beneficiary.
A couple filing their taxes wonders, are life insurance premiums tax-deductible

Are Life Insurance Premiums Tax-Deductible?

Life insurance premiums usually aren't tax-deductible but they may be in certain situations. 
A mother and father play with their two young girls after choosing their life insurance beneficiary

What Is a Life Insurance Beneficiary?

Before you choose a life insurance beneficiary, it's important to understand how they work.
A mother plays with her young daughter after paying her life insurance premium

What Is a Life Insurance Premium?

A life insurance premium is the payment you make to an insurer in exchange for the company agreeing to pay your beneficiary a death benefit. 
Mother and father with two kids laughing after researching life insurance settlement options

What Are Your Life Insurance Settlement Options?

There are several payout options that are often available to beneficiaries of life insurance policies.
Senior Woman Jogging Thinking About Life Insurance For Women

Life Insurance for Women: How a Policy Could Help You Build a Financial Legacy

Fewer women have life insurance than men, but it could help them just as much.
New parent holding their newborn baby consider life insurance for new parents

A Guide to Life Insurance for New Parents

Life is unpredictable, so purchasing a life insurance policy may be the right move for new parents.
Common types of life insurance and their features

What Are the Different Types of Life Insurance?

Here's a brief overview of the common types of life insurance.
Parent with two adult children discussing whether they can buy life insurance for parents

Guide to Buying Life Insurance for Parents

Buying your parents life insurance might be a good way to for you to help them leave a financial legacy.
Father sitting with two children in front of computer researching life insurance for single parents

Life Insurance for Single Parents

Whether you're widowed, divorced or a single parent, life insurance can help provide your family financial protection.
A senior couple hugging in the garden after discussing life insurance for seniors

Life Insurance for Seniors

Here are some of the basics about life insurance for seniors including types of policies, reasons to buy coverage and the application process.
Expecting mother dancing with child in kitchen

Life Insurance for Pregnant Women

Expectant mothers don't necessarily need to wait until after their child's birth to purchase life insurance.
Middle-aged couple riding bikes and talking about whether to get a death benefit rider

What Is a Death Benefit Rider?

Death benefit riders on variable annuity and life insurance contracts could lower risks. Here's what you should know.
Young, happy hiker carrying a backpack up a hill and wondering if single people need life insurance

Do Single People Need Life Insurance?

You might be surprised how many people can be affected by the loss of your income.
two daughters kiss their mom on the cheek as they discuss buying life insurance to protect the family

How to Buy Life Insurance: From Quote to Coverage in 5 Simple Steps

Once you know which policy is right for you, you could enter the next phase of the process: buying life insurance. Explore the basics here.
happy mature husband and wife embrace in the park as they discuss options for buying life insurance

How to Choose Life Insurance: Explore Your Options in 5 Simple Steps

Purchasing life insurance doesn't have to be complicated. We've broken down the research process into five steps to help you get started.
multigenerational family life insurance and you

What Are the Different Types of Life Insurance?

Don't get lost in the weeds when considering which type of life insurance would best meet your needs. Compare your options.
An Asian family making dinner together and discussing what a contingent beneficiary is

What Is a Contingent Beneficiary?

If you have a life insurance policy, you've likely named your primary beneficiary. But what happens if they're unable to receive the benefit?
Soldier with family upon returning home before considering life insurance for veterans

How Is Life Insurance for Veterans Different?

As a veteran transitioning to civilian life, it's important to understand what life insurance options are available to you.
Father and daughter at park dancing and holding hands after dad purchased whole life insurance

What Is Whole Life Insurance & How Does It Work?

Whole life insurance could help cover your final expenses and provide a death benefit to your beneficiaries. 
A elder couple riding bikes after researching universal life insurance-

What Is Universal Life Insurance & How Does It Work?

Universal life insurance can give you more control over your policy. Is this policy right for you? Take a look at universal life and how it works. 
A young happy father playing with his young son after finding out what term life insurance is

What Is Term Life Insurance & How Does It Work?

Term life insurance is traditionally viewed as one of the most economical insurance options. Here's some more information on the details. 
Happy family enjoying a sunny day in the park after discussing the cost of life insurance

9 Factors That Could Affect the Cost of Life Insurance

Knowing some of the factors that can impact the price of your life insurance premium can help you get an idea of what to expect before you apply. 
Married couple discussing questions to ask about life insurance with a financial representative

5 Questions to Ask About Life Insurance Before You Buy a Policy 

Are you about to purchase a life insurance policy? You may want to ask yourself and your financial representative these questions. 
An older woman standing outside thinking about what happens to life insurance during divorce

What Happens to Life Insurance in Divorce?

If you're wondering what happens to life insurance during divorce, here's some information to consider.
A happy family sharing the couch in a living room wondering is life insurance taxable

Is Life Insurance Taxable?

In many situations, life insurance is not taxable. Knowing the exceptions can help you and your beneficiaries plan ahead. 
Woman drinking coffee, working at home, and researching insurance for the self-employed

Insurance for the Self-Employed: 3 Policies to Consider

More and more U.S. workers are joining the "gig economy." If you're one of them, you may want to consider these insurance options.
Asian parents and young daughter playing and talking about life insurance myths

5 Common Life Insurance Myths

If you're unclear about what life insurance is — and what it isn't — here's how to separate common myths from the facts.
grandfather fishing with grandson after determining his reasons for life insurance

5 Overlooked Reasons for Life Insurance

Life insurance can do more than cover your funeral costs. Here are five of the overlooked financial reasons to buy life insurance.
Happy older couple exchanging Christmas gifts at home and wondering what is a 1035 exchange

What Is a 1035 Exchange?

If you're considering changing your insurance policy or annuity contract, a 1035 exchange could help you avoid paying taxes on the surrendered funds. 
Grandfather laughing with grandson after discussing a modified endowment contract

What Is a Modified Endowment Contract?

A modified endowment contract (MEC) is a life insurance policy in which funding has exceeded federal tax law limits. Here's what else you should know. 
Middle-aged man and woman discussing the question of life insurance for your spouse at home

Discussing Life Insurance for Your Spouse

Whether or not you both earn a salary, expanding life insurance coverage for your family might still be worth it — and it starts with a conversation.
Young couple looking out at the harbor, symbolizing their insurance policy's free look period

What Is a Life Insurance "Free Look Period"?

An extra window of time to review your policy and ask questions could make a big difference in helping you remain satisfied with your coverage.
Woman and daughter in a tent: difference between whole life insurance and universal life insurance

What's the Difference Between Whole Life Insurance & Universal Life Insurance?

Considering a permanent life insurance policy? You can start by understanding the differences between whole and universal life.
mom cooks with daughter after researching difference between accidental death insurance and life insurance

What's the Difference Between Accidental Death Insurance & Life Insurance?

Life insurance and accidental death insurance might sound similar, but they're meant to serve different needs — here's how they could fit with yours.
young couple reviews their budget and bills and thinks about canceling a life insurance policy

Should You Keep Your Life Insurance Policy During Tough Times?

If money's tight, chances are you'll be looking to cut costs. But canceling your life insurance coverage might be more complicated than you think.
young father with dividend-paying whole life insurance policy plays soccer with his young son

What Is Dividend-Paying Whole Life Insurance?

Dividend-paying whole life insurance offers you the opportunity to indirectly participate in an insurance company's financial performance.
male patient consults male doctor to discuss health conditions that may affect life insurance coverage

Health Conditions That May Affect Life Insurance Coverage: What to Consider

Some insurance companies require a physical before granting a policy. Here are some possible outcomes and options for next steps.
female doctor explains what to expect during the life insurance medical exam to her female patient

The Life Insurance Medical Exam: What Can I Expect?

If you're wary of the life insurance medical exam, here's some helpful information on the process — and how to prepare — to help put you at ease.
senior couple at home researches on laptop how to spot five common online life insurance scams

How to Spot 5 Common Online Life Insurance Scams

Buying and managing life insurance online can be both helpful and precarious. Learn how to avoid some of the most common online life insurance scams.
daughter whispers to her dad sitting on park bench as he reviews his family’s life insurance needs

Is It Time to Review Your Life Insurance Needs?

Change is a part of life, but is your life insurance policy keeping up? Learn how a life insurance review could help you plan for the road ahead.
happy couple plays on swings in a park in the fall and discusses options for cash value life insurance

Options for Cash Value Life Insurance Before Retirement

In addition to a death benefit, permanent life insurance policies offer cash value. However, do you know about some of many benefits of cash value?
retired woman holds flower bloom in her garden and thinks about options for cash value life insurance

Options for Cash Value Life Insurance in Retirement

Permanent life insurance provides a death benefit and may help give you peace of mind. But do you know about the benefits of cash value for retirees?
Senior couple discussing options how living benefits could help protect your future

How Life Insurance With Living Benefits Could Help Protect Your Future

You may know life insurance offers a death benefit, but did you realize many policies also offer living benefits? Learn more here.
smiling grandmother hugs her granddaughter on the couch and reflects about life insurance for children

Life Insurance for Children or Grandchildren? Consider the Benefits

Life insurance could provide many rewards — and life insurance for children or grandchildren is no exception. Explore the benefits here.
woman gives employer life insurance coverage presentation to two female and two male employees

Employer Life Insurance Coverage — Is It Enough?

You might be protected by an employer-sponsored life insurance policy, but there might be problems with relying solely on life insurance through work.
man on hike sits and looks at a beautiful mountain lake as he thinks about personal insurance plans

On Your Own? Why Personal Insurance Plans Could Be a Good Choice

Explore the ins and outs of personal insurance plans and learn why they could be a suitable choice for your needs.
family meets real estate agent in front of house and considers mortgage protection with life insurance

How Life Insurance Helps Protect a Mortgage

Life insurance could help you keep your loved ones where they belong: at home. Learn more about mortgage protection with life insurance.
Brother playing with new sibling life insurance babies gift

Could Life Insurance for Babies Make the Perfect Gift?

Rattles and onesies are nice, but life insurance could also make an excellent gift for newborns. Learn about the benefits and available policy types.
mother and daughter read a book in her bedroom as mom considers buying permanent life insurance

What Is Permanent Life Insurance & Is It Right for You?

Permanent life insurance is just that — permanent. But there's so much more to this type of life insurance. Explore the ins and outs here.
happy middle-aged couple walks along the beach and discusses buying single-premium life insurance

Is Single-Premium Life Insurance Right for You?

In a world full of insurance choices, could a single-premium life insurance policy be right for your needs? Explore the ins and outs here.
group of young professionals pile up hands in a huddle and wonder if they need to buy life insurance

Think You Don't Need to Buy Life Insurance?

Life insurance may not be on your current radar, but you could actually benefit from a policy. Learn why life insurance can be a good idea.
Mother helping daughter with hair seeing benefits whole life insurance

Seeing the Benefits of Whole Life Insurance

Is a whole life insurance policy right for you? Sometimes it helps to start with the benefits, which could help you decide.
middle-aged man explains to friend on the phone why he bought whole life insurance at age 23

Why I Bought Whole Life Insurance in My Early 20s

One writer shares his story about what inspired him to buy a whole life insurance policy in his early 20s.
middle-aged couple checks map on hike as they consider buying convertible term life insurance

Is Convertible Term Life Insurance Right for You?

With convertible term life insurance, you could switch your term policy to permanent coverage without passing a health exam.
mom plays patty-cake game with her daughter inside bedroom tent and thinks about term life insurance

Why I Bought Term Life Insurance

Learn about one woman's experience with term life insurance, including why she decided on a policy and finds value in it for her needs.
grandfather looks lovingly at his granddaughter as he considers buying multiple life insurance policies

Can You Have Multiple Life Insurance Policies?

Life insurance could help you protect your loved ones from financial uncertainty, but are you certain that one policy is enough for your needs?
family of five eats dinner together as parents think about how to choose a life insurance beneficiary

How to Choose a Life Insurance Beneficiary

Choosing a life insurance beneficiary could be one of the most important decisions you make. Discover how you could make this choice.
family having picnic discussing life insurance

Life Insurance 101: Your Quick & Easy Guide

Life insurance comes in many forms, so explore the available options — and discover which could be right for your needs.
happy retired couple uses a tablet computer on the beach to research when should you get life insurance

Retirement: When Should You Get Life Insurance?

After decades of hard work, you've finally walked out of your job and into retirement. Now, is life insurance on your radar?
Couple getting life insurance after career change

Career Change: When Should You Get Life Insurance?

Whether you are thinking about a career change — or have just put in your two weeks' notice — here's why life insurance may be something to consider.
friends throw confetti at bride and groom and counsel them later about when should you get life insurance

Just Married: When Should You Get Life Insurance?

Consider making life insurance your "something new." If you're a newlywed, here's why life insurance could be something to think about.
grandfather takes grandson fishing after researching the difference between term and whole life insurance

What Is the Difference Between Term & Whole Life Insurance?

Explore the difference between term and whole life — and understand when each policy type might make sense.
young girl blows bubbles in the park with her parents as they ask themselves do i need life insurance

Do I Need Life Insurance?

Life insurance could be a smart choice — no matter where you are in life. If you're asking yourself this important question, here are some scenarios that could help you understand if life insurance is a good choice for you.
parents think about 10-year term life insurance as they walk in the woods with their daughter and son

10-Year Term Life Insurance: Is It a Good Fit for You?

Explore 10-year term life insurance, and learn if it's the best choice for your needs and goals.
llic learn prepare for the unexpected with whole life insurance

Prepare for the Unexpected With Whole Life Insurance

Even the best laid plans can change when the unexpected happens. A solution to helping ensure your financial stability and maintaining your quality of life may be as close as your whole life insurance policy from Lafayette Life.
mother and father think about 15-year term life insurance as they walk along a lake with their son

15-Year Term Life Insurance: Is It a Good Fit for You?

Explore 15-year term life insurance, and learn if it's the best choice for your needs and goals.
mother and father think about 20-year term life insurance as they play with their toddler daughter

20-Year Term Life Insurance: Is It a Good Fit for You?

Explore 20-year term life insurance, and learn if it's the best choice for your needs and goals.
mother thinks about 30-year term life insurance as her toddler daughter kisses her on the nose

30-Year Term Life Insurance: Is It a Good Fit for You?

Explore 30-year term life insurance, and learn if it's the best choice for your needs and goals.