LIFE INSURANCE BASICS
For the people
who count on you.
✦
START HERE
You don’t have to
learn it all today.
Medicare has different pieces. We’ll help you understand how they can fit together for you.
THE ESSENTIALS
Three things to know.
01
Who it’s for
A benefit can help loved ones with everyday bills, a mortgage, final expenses, or other priorities.
02
How long it lasts
Term coverage lasts for a set period. Permanent coverage is designed to last your lifetime, provided the policy’s requirements are met.
03
What fits your life
The benefit, premium, eligibility, and policy terms all matter. Start with coverage you can comfortably maintain.
Eligibility, benefits, premiums, exclusions, and any waiting periods vary by policy.
MAKE IT PERSONAL
Let’s talk about
what matters to you.
Your needs, your current coverage, and your budget are a good place to start.
QUESTIONS TO BRING
Who would depend on this benefit?
What expenses would I want to help with?
How much coverage fits my budget over time?
GOOD TO KNOW
A few good questions.
Does every life policy build cash value?
No. Term policies generally don’t. Permanent policies may build cash value, with costs and conditions that deserve a closer look.
Where does final expense Insurance fit?
Final expense is life Insurance often chosen to help with funeral costs and other smaller obligations. You can explore our final expense introduction or ask us how it compares with other options.
A little more reading: Life Insurance guidance from the NAIC ↗.