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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. 

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.
Life Insurance
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.
Life Insurance
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.
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. 
Life Insurance
Nurse aiding a senior woman who uses the benefits of long-term care insurance to cover care fees

Benefits of Long-Term Care Insurance & Other Ways to Pay for Your Care

Long-term care can be quite expensive, but there are many ways to help pay. Here's a rundown of some of the options. 
Life Insurance
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. 
Life Insurance
A patient discussing the difference between critical illness and health insurance with her doctor

What's the Difference Between Critical Illness & Health Insurance?

Health insurance is important, but critical illness insurance can help cover critical gaps. Learn the differences between the two.
Life Insurance
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.
Life Insurance
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.
Life Insurance
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.
Life Insurance
husband and daughter of older woman in hospital all discuss planning a funeral service ahead of time

Planning a Funeral Service for a Loved One: Memorial, Graveside or Veteran's Service

Planning a funeral service for a loved one involves choosing the type of service — and can underscore the importance of final arrangements.
Life Insurance
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.
Life Insurance
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.
Life Insurance
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.
Life Insurance
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.
Life Insurance
Funeral director advising clients

Planning a Funeral for a Loved One: Burial vs. Cremation

Here's how you might approach the decision between burial and cremation following the death of a loved one.
Life Insurance
Middle aged couple speaks to real estate age about selling versus renting

Selling vs. Renting Your Home: Pros & Cons to Consider

As a homeowner, it can be challenging to decide between selling your home or renting it out. Explore the pros and cons of both options.
Life Insurance
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.
Life Insurance
young woman conducts research on her laptop computer at home to determine her life insurance needs

How Much Life Insurance Do You Need?

Life insurance can help provide peace of mind for tomorrow, but determining how much coverage is enough for your individual needs can be tough.
Life Insurance
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.
Life Insurance
parents laugh with their two sons at home and think how disability income insurance could help them

How Disability Income Insurance Could Help Protect Your Most Important Asset: You

Your home. Your life savings. Your ability to earn income? Learn why this might be your most important asset — and how you could help protect it.
Life Insurance
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.
Life Insurance
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.
Life Insurance
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.
Life Insurance
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.
Life Insurance
family meets real estate agent in front of house and considers mortgage protection with life insurance

Home Sweet Home: Mortgage Protection With Life Insurance

Life insurance could help you keep your loved ones where they belong: at home. Learn more about mortgage protection with life insurance.
Life Insurance
sister kisses her newborn sibling resting in her dad’s lap as he thinks about life insurance for babies

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.
Life Insurance
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.
Life Insurance
two daughters kiss their mom on the cheek as they discuss buying life insurance to protect the family

Buying 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.
Life Insurance
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.
Life Insurance
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.
Life Insurance
mature mother hangs clothes outside with adult daughter as they discuss benefits of 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.
Life Insurance
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.
Life Insurance
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.
Life Insurance
two women drink coffee at a café and discuss why buying long-term care insurance in your 20s makes sense

Why I Bought Long-Term Care Insurance in My 20s

Long-term care insurance is not a pressing concern for most 20-somethings. Learn why one woman chose to purchase a policy in her late 20s.
Life Insurance
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.
Life Insurance
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?
Life Insurance
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.
Life Insurance
man in wheelchair asks caretaker daughter in a courtyard: what does critical illness insurance cover?

What Does Critical Illness Insurance Cover?

No one can predict the future, but you can plan for the uncertainties of tomorrow. Critical illness insurance could help — but what does it cover?
Life Insurance
grandfather, father and son walk down a path in the fall as adults discuss term life insurance

Understanding Term Life Insurance

What is term life insurance — and is it the right choice for you? Explore this insurance type to unlock the answer.
Life Insurance
young father, mother and son fly a kite at sunset as parents consider buying accidental death insurance

Understanding Accidental Death Insurance

How would your loved ones cope if something unexpected were to happen to you? Learn more about accidental death insurance — and how it could help.
Life Insurance
multigenerational family enjoys a picnic in the park and discusses the basics of 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.
Life Insurance
older couple laughs as they ride bikes down a path and discuss whole life insurance together

Understanding Whole Life Insurance

Whole life insurance could help give you peace of mind today for the uncertainties of tomorrow. Learn more about whole life insurance here.
Life Insurance
man in wheelchair, grateful to have long-term care insurance, reads in the park with his granddaughter

Understanding Long-Term Care Insurance

Planning for the unexpected could help you better prepare for tomorrow. Explore the basics of long-term care insurance.
Life Insurance
grandparents play with their young grandchild outside and discuss different types of life insurance

Life, Insurance & You: Comparing 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.
Life Insurance
middle-aged man in a job interview pursues career change and thinks when should you get life insurance

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.
Life Insurance
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.
Life Insurance
young male patient, thankful he has critical illness insurance, talks with female health care professional

Understanding Critical Illness Insurance

When you have a critical illness, life can get expensive. However, critical illness insurance could help you pay the bills. Here's how.
Life Insurance
multigenerational family has fun in their backyard as adults discuss universal life insurance

Understanding Universal Life Insurance

Looking for flexible, long-term life insurance? Universal life could be the answer. Here's how it works.
Life Insurance
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.
Life Insurance
smiling senior couple, happy to have medicare supplement insurance, embraces each other outside

What Is Medicare Supplement Insurance & Is It Right for You?

Where Medicare leaves off, Medigap begins. Learn more about Medicare supplement insurance, and discover if it's the right choice for you.
Life Insurance
young child covers her father’s eyes at home as he thinks about buying accidental death insurance

What Does Accidental Death Insurance Cover & Is It Right for You?

No one knows what the future holds, but it could help to be prepared for anything. Accidental death insurance could help.
Life Insurance
happy mature husband and wife embrace in the park as they discuss options for buying life insurance

Buying Life Insurance? Explore Your Options in 5 Simple Steps

Purchasing life insurance isn't complicated. We've broken down the research process into five steps to help you get started.
Life Insurance
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.
Life Insurance
female caretaker walks with elderly woman who understands the advantages of long-term care insurance

What Are the Advantages of Long-Term Care Insurance?

A long-term care insurance policy could help protect your assets, estate and loved ones. Learn more about this insurance type here.
Life Insurance
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.
Life Insurance
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.
Life Insurance
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.
Life Insurance
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.
Life Insurance
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.
Life Insurance