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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. 

Auto accidents may lead you to qualify for a higher death benefit or a dismemberment payment.

AD&D vs Life Insurance

AD&D can provide additional protection when you're injured or die in an accident, but it's not a substitute for life insurance.
A couple with two young children might consider the benefits of group life insurance coverage

What Is Group Life Insurance?

Have you been offered group life insurance coverage through work? Here's what you need to know to decide if it's a fit for you.
A person reviews an accidental death rider at the kitchen table with a family member nearby.

What Is an Accidental Death Rider?

An Accidental Death Rider is an add-on or provision to a life insurance policy that provides an additional payout if the insured's death results from an accident.
A grandmother smiles as she talks with her granddaughter about a life insurance death benefit.

Life Insurance Death Benefit

All life insurance policies include a death benefit. Read on to see how these payments work, the related restrictions and the process to collect.
Happy family together, parents with their little child at sunset. Father raising baby up in the air.

Should You Consider Endowment Life Insurance?

Endowment life insurance combines life insurance with a savings plan. Here's how a policy could factor into your long-term finances.
Before signing a legal document, you should know what is an irrevocable beneficiary.

What Is an Irrevocable Beneficiary?

Once you name beneficiaries, you might want to prevent changes from being made. See how that works and when you might use this option.
An older couple sits outdoors looking at autumn leaves, discussing a survivorship life policy.

Is a Survivorship Life Policy Right for You & Your Partner?

It's possible to get life insurance coverage for two people under a joint policy. Here's what to know about this type of coverage.
Family life insurance plans can cover a whole family at once.

How to Create Total Family Life Insurance Plans

Interested in providing all your family members with insurance coverage? It's possible. Here's how along with the pros and cons of this approach.
Two people in an office review a document explaining supplemental life insurance.

What Is Supplemental Life Insurance Used For?

Curious to learn the basics of supplemental life insurance? Here's a look at how it works and the different ways it can be used.
Family in the kitchen cooking together.

Benefits of Whole Life Insurance

Whole life insurance offers a number of benefits to policyholders. This list of whole life benefits can help you choose the right policy.
Life insurance for people with diabetes may be harder to qualify for, but it isn't impossible.

Life Insurance for Diabetics

Think you can't get life insurance if you have diabetes? Think again. There may be options out there for you.
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. 
Mother and Daughter using Computer Tablet

Term vs. Whole Life Insurance: Which One Fits Your Needs?

Learn the difference between term and whole life insurance and how to choose the right policy to protect your family.
mother and father think about 20-year term life insurance as they play with their toddler daughter

20-Year Term Life Insurance

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

Explore 30-year term life insurance, and learn if it's the best choice for your needs and goals.
mother and father think about 15-year term life insurance as they walk along a lake with their son

15-Year Term Life Insurance

Explore 15-year term life insurance, and learn if it's the best choice for your needs and goals.
male patient consults male doctor to discuss health conditions that may affect life insurance coverage

Life Insurance with Pre-Existing Conditions

Some insurance companies require a physical before granting a policy. Here are some possible outcomes and options for next steps.
Soldier with family upon returning home before considering life insurance for veterans

Life Insurance for Veterans

As a veteran transitioning to civilian life, it's important to understand what life insurance options are available to you.
Middle-aged man and woman discussing the question of life insurance for your spouse at home

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, happy hiker carrying a backpack up a hill and wondering if single people need life insurance

Life Insurance for Single People

You might be surprised how many people can be affected by the loss of your income.
smiling grandmother hugs her granddaughter on the couch and reflects about life insurance for children

Life Insurance for Grandchildren

Life insurance could provide many rewards — and life insurance for grandchildren is no exception. Explore the benefits here.
New parent holding their newborn baby consider life insurance for new parents

Life Insurance for New Parents

Life is unpredictable, so purchasing a life insurance policy may be the right move for new parents.
Woman and daughter in a tent: difference between whole life insurance and universal life insurance

Whole Life vs. Universal Life Insurance

Considering a permanent life insurance policy? You can start by understanding the differences between whole and universal life.
A couple relaxes, knowing they've provided for their grandchild with single premium life insurance

Is Single Premium Life Insurance Right for You?

Are you curious how single premium life insurance works? Here's what to keep in mind.
parents think about 10-year term life insurance as they walk in the woods with their daughter and son

10-Year Term Life Insurance

Explore 10-year term life insurance, and learn if it's the best choice for your needs and goals.
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. 
young girl blows bubbles in the park with her parents as they ask themselves do i need life insurance

Do I Need Life Insurance?

Wondering about whether you need life insurance? Here are some scenarios that could help you discover the answer to that question.
Friends sit together at a cafe discussing life insurance for young adults

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.
Senior couple discussing options how living benefits could help protect your future

Life Insurance With Living Benefits

You may know life insurance offers a death benefit, but did you realize many policies also offer living benefits? Learn more here.
A young couple using a laptop, deciding when to get life insurance

3 Key Considerations for When to Get Life Insurance

Employer-provided life insurance is a great benefit, but it isn't usually comprehensive.
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.
A mother and father play with their two young girls after choosing their life insurance beneficiary

What Is a Life Insurance Beneficiary?

A life insurance beneficiary is the person who would receive the death benefit from your policy. Here's some information to help you make the right choice.
woman gives employer life insurance coverage presentation to two female and two male employees

Is Employer-Provided Life Insurance Coverage Enough?

You likely have employer-provided life insurance coverage, but is this coverage enough? Your coverage needs may change at different stages of your career.
A smiling man on a phone call discussing no medical exam life insurance

A Guide to No Medical Exam Life Insurance

Here's a look how no medical exam life insurance works, as well as when it's available and the potential downsides versus other policies.
A care giver helps a senior who needs long-term care insurance

Who Needs Long-Term Care Insurance?

Long-term care insurance is an option to preserve your assets and help pay for your care. Here's some information on who may need it.
A couple researching their options wonders, "Does life insurance cover COVID?"

Does Life Insurance Cover COVID?

If you're wondering whether you can get a policy or if an insurer will pay out death benefits, here's what you need to know.
A couple does research to understand what life insurance covers

What Does Life Insurance Cover & What Does It Not?

Whether you already have insurance or are looking to purchase a policy, it's helpful to know what situations the policy would cover.
Looking into details about the COVID vaccine and life insurance

A Guide to the COVID Vaccine & Life Insurance

Getting the vaccine won't negatively affect your life insurance coverage. 
A family relaxes knowing they have enough life insurance

How Much Life Insurance Do I Need?

Here's what to consider when deciding how much life insurance you might need.
A smiling man looks at his wrist watch and ponders, "How long does it take to get life insurance?"

How Long Does It Take to Get Life Insurance?

There is a waiting period between the time you purchase life insurance and when coverage takes effect. Here's a look at the overall timeline. 
Family of three walks and discusses why life insurance is an important part of their future planning

9 Reasons Why Life Insurance Is Important for Your Loved Ones

Helping to replace lost income is just one of the many benefits of life insurance. Here are nine reasons why having a life insurance policy can be important for the future well-being of your family.
A woman tries to find a lost life insurance policy

Have You Lost a Life Insurance Policy Contract? Here's What to Do Next

There are a few risks associated with losing a life insurance policy, but it's possible to find a lost contract. Here's how.
A couple discusses the benefits of term life insurance

The 3 Main Benefits of Term Life Insurance

When considering term life insurance options, understanding the features and benefits of each can help find you the right choice for your needs.
Dad and daughter having fun after dad researched how life insurance works

How Does Life Insurance Work?

From purchasing coverage to how the death benefit works, this guide will help you understand how life insurance works.
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.
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 mature couple sits together on a couch and reviews their overfunded life insurance policy

What Is Overfunded Life Insurance?

Overfunded life insurance is an approach where you contribute more funds to a permanent life insurance policy than required for its premiums. This method boosts your policy's cash value growth, providing tax benefits and serving as an appealing investment alternative for those pursuing financial flexibility and long-term wealth building.
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.
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.
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.
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. 
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 help avoid some of the most common online life insurance scams.
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.
A family of four discusses the advantages of life insurance while on a sunny hike

4 Potential Advantages of Life Insurance

There are a number of potential benefits that come with purchasing a life insurance policy. Here are a few to consider. 
A couple weighs the pros and cons of term vs. permanent life insurance

Term Life vs. Permanent Life Insurance

Learn the differences between term life and permanent life insurance before choosing the right policy for you and your beneficiaries. 
A couple keeps their options open with a guaranteed insurability rider.

What Is a Guaranteed Insurability Rider?

A guaranteed insurability rider can help keep future insurance options open. Here's insight into when this feature makes sense.
Person reviewing finances wonders, "Is the cash value of life insurance taxable?"

Is Cash Value Life Insurance Taxable?

Cash value life insurance is generally not taxable as it grows within the policy. However, taxes may apply to withdrawals, loans, or surrenders that exceed the total premium payments made, so it's essential to understand the specific rules and consult a tax advisor for guidance.
A young couple can relax, knowing they are protected by their waiver of premium rider.

What Is a Waiver of Premium Rider?

Here's some information on how a life insurance waiver of premium for disability works and when it may make sense to purchase one.
A father and son enjoy quality time after applying for life insurance as a stay-at-home parent

Life Insurance for Stay-at-Home Parents

The work stay-at-home-parents do is valuable, which is why life insurance can be essential for them. 
A mature couple checks the balance on their cash value life insurance

What Is Cash Value Life Insurance & How Does It Work?

Cash value life insurance is a type of permanent life insurance with both a death benefit and a cash value component. A portion of your premium payments goes towards building this cash value with the potential to earn interest and grow.
A family on a walk in nature discussing what life insurance is

What Is a Life Insurance Policy?

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. 
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.
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. 
Senior Woman Jogging Thinking About Life Insurance For Women

Life Insurance for Women

Fewer women have life insurance than men, but it could help them just as much.
Parent with two adult children discussing whether they can buy life insurance for parents

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.
Senior Couple Enjoying A Walk Together.

Life Insurance for Seniors

Check out this comprehensive guide for choosing the right whole life insurance policy for seniors in their 50s, 60s, 70s, 80s, and beyond.
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.
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?
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

Life Insurance for Self Employed

More and more U.S. workers are becoming freelancers. If you're one of them, you may want to consider these insurance options.
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. 
Young couple looking out at the harbor, symbolizing their insurance policy's free look period

What Is a Life Insurance "Free Look Period"?

Life insurance policies have a grace period, also known as a "free look period," during which you can review and evaluate a newly purchased policy without any financial risks. If you decide to cancel within this timeframe, you'll receive a full refund of any premiums paid, allowing you to make an informed decision without pressure.
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.
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.
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.
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?

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.
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?
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.