Life Insurance
Coverage for the people who depend on you
Life insurance is easier to think about when you start with the job you want it to do, rather than with the product names.
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What life insurance may help with
Most people are covering one or two of these. Naming yours makes every other decision simpler.
Income replacement
Replacing what your household would lose if your income stopped.
Final expenses
Covering funeral, burial, and end-of-life costs so family does not carry them.
Mortgage protection
Helping make sure the people you love can stay in the home.
Debt protection
Keeping outstanding debts from becoming someone else's burden.
Family financial security
Giving your family room to make decisions without financial pressure.
Business protection
Protecting a business, a partner, or a key person.
Leaving a financial legacy
Passing something on intentionally, on your terms.
The main categories
Common types of life insurance
A general, educational overview. These describe categories — not any specific policy.
Term life insurance
Coverage for a set period of time — commonly 10, 15, 20, or 30 years. If the policy is in force and the covered event occurs during that term, a benefit is paid. Term policies are typically the most straightforward and are often chosen to cover a specific window, such as the years until a mortgage is paid off or children are grown.
Whole life insurance
A form of permanent coverage designed to remain in force for life as long as the policy requirements are met. Whole life policies generally have level premiums and may accumulate cash value over time according to the terms of the policy.
Final expense insurance
A smaller permanent policy intended to cover funeral, burial, and related costs. Coverage amounts are typically modest, and the application process is often simpler than for larger policies.
Other permanent options
Other permanent structures exist, including universal life and its variations. These policies can offer flexibility in premium and coverage amount, and their terms differ meaningfully from one carrier to another.
These descriptions are general and simplified. They describe categories of insurance, not any specific policy. Actual terms, exclusions, limitations, costs, and conditions are governed entirely by the policy documents issued by the insurance carrier.
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Get a life insurance quote
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