What should I know when I apply for life insurance?

Do you have concerns about what would happen to your loved ones if you passed away? If so, you may have thought about purchasing life insurance. Here’s a list of things you probably should know when you’re applying for a policy.

How much life insurance do you need to help financially protect your family after you’re gone? Here’s a quick video guide that can help clear some of the mystery around what amount is the right amount of life insurance coverage for you and your loved ones.

While determining whether a final expense plan or preneed policy is right for you, it’s important to remember the key differences between these options. Learn more.

Life can change quickly, and your life insurance should be able to change with it. One way to customize your coverage is with a life insurance rider. In this video, we’ll explain what riders are, how they work, and the most common types you might consider. From accelerated death benefits to long-term care and family coverage, riders can give you added flexibility and protection as life evolves.

A home is a big investment - and mold, mildew and water can cause expensive damage. Understanding what events are covered by your homeowners insurance policy, and knowing the steps you can take to help prevent or limit damage, can help you protect that investment now and in the future.

You may have heard some insurance companies talk about their monitored programs for good drivers. These programs provide discounts to drivers who demonstrate safety and responsibility. How can insurance companies know that you’re a safe driver? Usually, they rely on the information they collect from special equipment they install in the vehicle. They’re known as insurance trackers or telematics.

Owning a condo comes with a unique set of responsibilities — and questions about coverage. Condo insurance is designed to help protect what’s inside your unit, from personal belongings to certain unexpected events. Understanding how it works could help you feel more confident about what may — or may not — be covered.

Do you know the critical steps to take after a car accident? Watch this video to learn everything you need to know, to help ensure you're equipped to handle any situation with confidence and clarity.

Some people think of life insurance as something extra, something you don’t need. You and your family might actually get a lot out of life insurance coverage. It may help to take care of many of the costs you might leave behind after you die.

Couples often share different household responsibilities, such as providing income and childcare. Each person’s contributions bring value that would be lost without them. Let’s discuss why it could be important for both you and your spouse to have life insurance for that very reason.

A cancer diagnosis changes many things - but it doesn’t always mean life insurance is out of reach. Whether you’ve had cancer yourself or it runs in your family, there are still options to help you protect your loved ones. In this video, we’ll explain how cancer can impact your life insurance application, what insurers look for and the types of coverage that may still be available. You’ll learn how factors like health history, treatment stage and risk ratings can influence your options - and why it’s worth exploring coverage even after a diagnosis.

If you smoke, you might assume life insurance is out of reach - but the truth is, you still have options. Whether you use tobacco, vape, or cannabis products, there are coverage types that may work for your situation and your budget. In this video, we’ll walk through what to consider when applying for life insurance as someone who smokes - from understanding coverage types to knowing when and how to apply. You’ll also learn why it’s important to be honest during the process and how quitting down the line could help reduce your rates.

Members of the Black community have understandable reasons for putting off life insurance. But they also face challenges that make it important to look into life coverage as early in life as possible.

The short answer is—it could. Consumers should understand how credit scores may impact insurance options and premiums.

Each February, Black History Month is celebrated around the world. A great way to celebrate and help support your family’s financial future is learning about life insurance. Today, we learn about generational wealth and the importance of life insurance for the Black family.

Interest rates influence the cost of taking out loans and the amount you could earn on investments, including savings accounts. Understanding how rates work can help you make the right decisions for your money.

Is accidental death and dismemberment insurance the same as term life insurance; should you have both? We help clear up the confusion.

What’s the difference between life insurance and accidental death & dismemberment insurance? While both options can help protect your family’s financial future, there are some key differences you should know. Watch this video to learn what makes AD&D and life insurance unique, and understand which options could be the right fit for you and your loved ones.

Are you wondering what Accidental Death and Dismemberment (AD&D) insurance is and how it could help protect you and your family’s financial future? Find out how this type of coverage is different than life insurance and could make a big difference if there’s a loss of income in certain accidental scenarios.

Most people know at least a little bit about what life insurance is, but what’s the big deal about Accidental Death and Dismemberment Insurance? What is it? Why is its name so long? Does anybody even have it?