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Life Insurance 101
What is Life Insurance?
Life insurance is a contract between you and an insurance company. In exchange for premium payments, the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries after the insured's death.
Types of Life Insurance
- Term Life Insurance: Provides coverage for a specific period (10, 20, or 30 years). Most affordable option.
- Whole Life Insurance: Permanent coverage with cash value accumulation and level premiums.
- Universal Life Insurance: Flexible permanent insurance with adjustable premiums and death benefits.
Why Do You Need Life Insurance?
- Replace lost income for your family
- Pay off debts and final expenses
- Fund children's education
- Leave a legacy or inheritance
- Cover business obligations
How Much Coverage Do You Need?
A common rule of thumb is 10-12 times your annual income, but your actual needs depend on your debts, expenses, income replacement needs, and financial goals. Use our detailed calculator to get a personalized estimate based on the industry-standard needs analysis method.