Term life insurance vs. Accidental Death and Dismemberment insurance

Did you know that a medical exam isn't always necessary when you're thinking about applying for a life insurance policy? There are options out there that allow you to skip the doctor's office altogether and avoid the hassle, stress, and expense of an exam. Watch this short video for all the basics you need to know.

Life insurance is a valuable tool designed to help protect your loved ones after you pass away. While benefits will vary depending on the type of policy you select, these are 10 of the most important benefits available to life insurance policyholders.

Applying for life insurance can be a simpler process than many people think. In this short video, you’ll learn what information and documents you should have on hand when you apply, plus some tips that can make the process as smooth as possible for you and your family.

Can you get life insurance for your parents? The short answer is often yes, but there are some important steps and considerations to know before applying. In this video, we’ll walk through what it takes to get coverage for your parents - from getting consent to choosing the right type of policy. You’ll also learn what “insurable interest” means and how to make sure the coverage amount matches your family’s actual needs.

Power outages can be unexpected but preparing with practical steps can help you and your home stay safe. Watch this video to learn what to do before, during, and after an outage to help ensure comfort and readiness until the lights come back on.

Many renters are surprised to learn that a landlord policy isn’t designed to protect a tenant’s personal belongings at all. Learn more.

You might see your home’s value rise and wonder if your insurance will match it. Home value and insurance coverage don’t always move together — and knowing the difference can save you stress. Here's a quick breakdown of what really matters.

Many of us realize that our credit scores can impact our lives. They might even affect whether or not we get a loan or even a new job. But did you know that the price of your car insurance can also be related to your credit score?

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.

Have you been shopping for insurance to help protect your loved ones? If so, you may have considered term life insurance. But you might also have considered accidental death and dismemberment (AD&D) insurance. Although they might sound similar, term life and AD&D offer very distinct kinds of coverage. Read on to understand the differences.

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?