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Life insurance

For the people who make life everything.

A thoughtful way to consider the financial support your loved ones may need, and the future you want to help them build.

Explore My Life Coverage
Parents and their daughter sharing a warm moment at home01 / Life insurance

A clearer understanding

Love looks ahead.

Life insurance generally pays a benefit to your chosen beneficiaries if you die while a policy is in force, subject to its terms. That money may help with everyday expenses, a mortgage, or other needs. The right conversation starts with who depends on you and what you want to understand.

NAIC consumer guide to life insurance (opens in a new tab)

Start with the essentials

Understand the pieces. See the possibilities.

Useful starting points for a conversation.
Specific benefits and terms vary by policy.

01

Term life

Coverage for a defined period. Discuss the length of the term, the amount of coverage, and what happens when it ends.

02

Permanent life

Policies designed for longer-term coverage that may include cash value. Premiums, guarantees, and policy requirements vary.

03

An individual conversation

Consider your responsibilities, existing coverage, budget, and goals. An agent can explain which options are available.

Before we talk

A few things
worth thinking about.

You don’t need every answer.
These questions are a good beginning.

  • Who depends on your income or care?
  • What financial responsibilities would remain?
  • Do you have coverage through work already?
  • What monthly budget feels manageable?

Plan for the people who depend on you

Start with responsibilities. Then compare policies.

A useful life insurance conversation connects the length of your financial commitments with the coverage you can keep in force.

01

Time horizon

List the years you expect to support dependents, repay a mortgage, or fund education. Ask how a term period or longer-term policy fits those commitments.

02

Premium commitments

Ask which premiums are guaranteed, which may change, and what happens if you miss a payment. Compare a sustainable budget with the policy’s ongoing requirements.

03

Beneficiary instructions

Review primary and backup beneficiaries and how the benefit would be divided. Ask about appropriate arrangements if a beneficiary is a minor.

Keep employer coverage in the picture, but ask what happens to it when you change jobs.

Read the life buying guide

A straightforward beginning

From family priorities to a policy review.

Prepare for a life insurance conversation with these three steps.

  1. 01

    Map your responsibilities.

    Bring estimates of ongoing household expenses, debts, savings, and existing life coverage. Exact figures can come later.

  2. 02

    Compare the contract.

    Discuss coverage amounts, term lengths, exclusions, renewal or conversion provisions, and guaranteed versus illustrated values.

  3. 03

    Confirm the details.

    Review beneficiary choices, application accuracy, premium requirements, and the insurer’s confirmation of an effective date.

Good questions deserve clear answers

A little more clarity on life insurance.

Still wondering about something?
Let’s talk it through

See the whole picture

Confidence for what comes next

Life keeps moving. Let’s find your next step.

A few questions. A useful conversation.
A clearer place to begin.

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