Life Insurance
Understand the major types of life insurance, how coverage works, and factors that can affect the options available to you.
Term LifeWhole LifeUniversal LifeBeneficiariesUnderwriting
Resources
Clear answers for important financial decisions.
Insurance and retirement income can involve unfamiliar terminology, product differences, underwriting considerations, and tradeoffs. Our resource center is designed to help you understand the fundamentals before deciding what may fit your situation.
EducationalPlain-English GuidanceLicensed Professionals
Explore by Topic
Start with what you’re trying to understand.
Choose the area that best matches the question or financial responsibility you’re thinking about today.
Mortgage Protection
Learn how life insurance can provide financial resources to beneficiaries and how housing obligations can factor into coverage planning.
Coverage AmountsBeneficiariesTerm LengthHousehold Needs
Final Expense
Understand coverage commonly selected to help beneficiaries address funeral, burial or cremation costs and other final financial obligations.
CoverageBeneficiariesUnderwritingFinal CostsPolicy Features
Retirement Income
Explore common retirement-income challenges and how Social Security, pensions, savings, investments and insurance-based strategies can fit into broader planning.
Income PlanningAnnuitiesLongevitySequence RiskLiquidity
The Foundations
Build your understanding one question at a time.
We’re building a library around the questions people commonly encounter when evaluating protection and retirement-income decisions.
How Much Life Insurance Do I Need?
Term vs. Permanent Life Insurance
What Happens During Life Insurance Underwriting?
Does Life Insurance Pay Off Your Mortgage?
What Is Final Expense Insurance?
How Do Life Insurance Beneficiaries Work?
What Is an Annuity?
How Can Retirement Income Be Structured?
What Is Sequence-of-Returns Risk?
Questions to Ask Before Buying an Insurance Product
Find Your Starting Point
Start with the question already on your mind.
You don’t need to know the name of a product before you begin. Start with the financial concern you want to understand.
?What happens financially to my family if I’m no longer here?Explore Life Insurance →
?Could my family afford to keep our home?Explore Mortgage Protection →
?Would my family have to pay my final expenses themselves?Explore Final Expense →
?How will I turn what I’ve saved into income in retirement?Explore Retirement Income →
Personal Guidance
Information can help you understand your options. A conversation can help you apply them.
A licensed professional can help you discuss your priorities and understand relevant available options and differences. Product availability, eligibility, underwriting, features, costs and suitability vary by person, product and insurer.
Speak With an Agent