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Life insurance can provide financial protection for your loved ones. You pay a monthly or annual premium to an insurance company, and in return, the insurance company agrees to pay out a sum of money to your beneficiary if you die while your policy is active.
People who have others depending on their income or financial contributions—like parents, spouses, business partners, co-signers on a loan, or caretakers of relatives—are good candidates for life insurance.
Life insurance can cover most causes of death, with a few exceptions — and your beneficiaries can use the payout to cover anything they need, including everyday expenses, outstanding debts, childcare, and funeral costs.
A term life insurance policy is a contract that lasts for a set period of time (usually between 10 to 30 years) where the insurance company pays your beneficiaries a lump sum if you die while the policy is active.
Since whole life insurance can last for your entire life, it can guarantee a payout to your loved ones no matter when you die. It can also come with a cash value savings component that earns interest at a fixed rate.
A universal life insurance policy can offer permanent coverage and the flexibility to adjust your premiums and death benefit. Universal life insurance also may come with a cash value component that could grow over time.
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We have everything you need to help you get the right life insurance policy for your needs.
"You need enough life insurance to help your loved ones cover your main financial obligations in your absence at a cost that’s affordable for you"
"From determining how much coverage you need to signing your policy, we’ve simplified the life insurance shopping process with a step-by-step guide."
"The most common types of life insurance are term, whole, universal, variable, and final expense. Here’s how each type works and how you can find the right policy for your needs."
"Affordable, hassle-free coverage for seniors, people with pre-existing medical conditions, high-risk individuals, and more."
"You can have multiple life insurance policies at the same time. There’s a limit to the total amount of life insurance you can have, but you can divide your coverage up over any number of policies."
"If you’re a parent, you need life insurance coverage. Whether you’re planning to have a child in the future or have children now, the sooner you get life insurance to protect them financially in your absence, the more affordable your coverage will be."
"There’s not one type of life insurance that’s best for all older adults, instead it depends on your age, health, and what you want to get out of your coverage."
"Find out why business owners need both personal & business life insurance — and how Policygenius can help you protect your family, partners, & employees."
"Having a pre-existing condition likely won’t disqualify you from buying life insurance, but it may determine your options and premiums. The best way to get the lowest rates with a pre-existing condition is to shop around across multiple insurers."
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