Preparing & Protecting

Get to know insurance types and purposes

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What are the different types of life insurance?

It may seem simple but understanding insurance types can also be confusing. We’ve broken down a few of the most common types of life insurance policies to simplify things.

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Introduction to life insurance

You probably have at least some idea of what life insurance is. Something about making sure there’s money for your family if you pass away. If that’s what you’re thinking, you’ve got the basic idea. Learn more about life insurance to make an informed decision about how to protect your family's financial security.

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What is life insurance and how does life insurance work?

A life insurance policy is a contract with an insurance company. In exchange for premium payments, the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured's death. That's how life insurance works.

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What is whole life insurance?

So how is whole life different from other types of life insurance? Whole life insurance is permanent life insurance designed to last your whole life (just like the name says). Learn more about whole life insurance to figure out if its the right kind of coverage for you and your family.

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What is term life insurance?

Term life insurance is one of two major types of life insurance you can buy. Like nearly every kind of life insurance, the purpose of term life is to help you protect your family financially when you aren’t around. Learn if term life insurance is right for you and your family today.

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What is accidental death and dismemberment insurance?

AD&D insurance is a type of insurance that pays out when you either die or are injured in an accident of some kind. It’s not life insurance, since it doesn’t cover you for anything natural, only accidents, and it also covers injuries, not just death.

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Do life insurance policies have suicide exclusions?

Losing a loved one to suicide is a tragedy no family should have to face. When this unfortunate event does occur, family members may wonder if they will be able to collect on their loved one’s insurance policy, if such a policy exists. The answer is, it depends.

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