Insurance Guide

What is cash value life insurance?

Many permanent life insurance policies offer the unique benefit of building cash value in an interest-earning account. This could give you and your loved ones financial flexibility in the present while helping provide a greater lump sum for your beneficiaries. [5 min]

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A man and his daughter meet with an advisor to talk about permanent life insurance

Our latest resources

We’re on a mission to make a brighter financial future accessible to everyone. Dedicated to helping more people — in more ways — make confident financial decisions at every stage.

Three reasons why getting married could impact your life insurance needs

How could marriage affect my insurance needs?

Getting married? Life insurance might be something to consider. Here are three reasons why getting married may change you or your partner’s life insurance needs.

2 min read

Car insurance considerations for seniors

Let’s review what you need to know — from eligibility and costs to policy adjustments — so you feel more confident in your decision about senior car insurance.

Oct 8

4 min read
Artificial Intelligence and the future of life insurance

Artificial intelligence and data are changing the world — including the life insurance industry. What does that mean for all of us?

Oct 1

2 min read
What’s the difference between dwelling, personal property and liability coverage?

A typical home insurance policy includes dwelling, personal property and liability coverage. Learn about each to determine the right insurance policy for you.

Sep 24

3 min read

Life insurance

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What happens when term life insurance ends?

If you’ve ever asked, “What happens when term life insurance ends?” - this video is for you. We’ll break down why some people are surprised to learn that term life insurance isn’t permanent, what to expect when a policy expires, and what your next steps could look like - including renewal, conversion, and return-of-premium options.

1 min and 11 sec watch

Artificial Intelligence and the future of life insurance

Artificial intelligence and data are changing the world — including the life insurance industry. What does that mean for all of us?

2 min read

Should you have more than one life insurance policy?

After making a big financial decision, like buying a house, you may wonder if you have enough insurance to help protect your loved ones. You may not realize that it’s possible to buy multiple life insurance policies to cover new risks. The real question is, should you?

3 min read

Why buying life insurance young pays off

When you’re young, life can feel like it’s just beginning — full of new experiences, fresh goals and endless possibilities. With so much ahead, life insurance might not be top of mind. But now’s the time to ask: Should I consider it?

4 min read

Property insurance

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An older couple looking at auto insurance quotes online

Car insurance considerations for seniors

Let’s review what you need to know — from eligibility and costs to policy adjustments — so you feel more confident in your decision about senior car insurance.

4 min read

A couple and their realtor looking at landscaping

What’s the difference between dwelling, personal property and liability coverage?

A typical home insurance policy includes dwelling, personal property and liability coverage. Learn about each to determine the right insurance policy for you.

3 min read

Does your college student need renters insurance?

College is often the first time a young adult lives on their own. This transition leads to a lot of questions for new students and their parents. One of these may be, “Do college students need renters insurance?”

4 min read

Learn seven common myths about auto insurance.

7 car insurance myths you should know about

There’s a lot of information out there about car insurance, and it’s not always easy to know what’s true and what’s not. We’re going to look at seven common beliefs that some people have about car insurance and explore why they may or may not be myths. That way, you should be in a better position when evaluating your insurance options to help keep you and your loved ones protected.

3 min read

Life events

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No kids? Learn why you should still consider life insurance.

Why should I consider life insurance if I don’t have kids?

Some celebrity financial advisers tell their followers not to get life insurance unless they have children. Is this always good advice? Read on to consider some situations where an individual with no children may want to think about buying life insurance.

4 min read

Filial responsibility and life insurance

What are filial responsibilities? Some states have laws that basically require children have a duty to provide certain financial support to their parents. Read more about filial responsibility laws and how insurance may provide a solution.

4 min read

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.

2 min read

A woman and her son visiting her elderly father at home

Do my senior parents need life insurance?

Life insurance could be an important tool for senior parents and their families as they plan for end-of-life expenses. Knowing which type of coverage would be best can be a complicated question, and the answer will depend on your individual needs and budget. You’re not alone in considering why your parents need life insurance, so let’s learn more.

4 min read

Money management

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A couple discussing finances with their financial planner

How to build an emergency fund

From job loss to car repairs, unexpected expenses can quickly throw a wrench in your budget. That’s where an emergency fund can help. Whether you’re just beginning to save or looking for ways to strengthen your safety net, you’ll find approachable tips to help you feel more prepared and confident for whatever comes next.

3 min read

Tips to deal with inflation and high interest rates.

5 tips for dealing with high inflation

While you can’t control the cost of goods and services, there are a few things you can do to better understand what is happening and to weather this challenging time. Learn more.

4 min read

Can I use life insurance to help me save for retirement?

You probably know that life insurance pays money to your loved ones after you die. (It’s called a “death benefit.”) But some types of life insurance may also give you money to use while you’re still alive. They build what’s known as “cash value.” One of the possible uses for that money is as retirement savings.

4 min read

A man and woman sit with a financial advisor and discuss different ways to build wealth.

13 financial habits that could help you build wealth

Building wealth is typically a gradual process that requires preparation and patience. For some, it may even involve learning new skills like budgeting and investing. Here are 13 financial habits that could help you build wealth into the future.

5 min read

Accidental death and dismemberment

AD&D

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Father with dual prosthesis thankful for his disability insurance coverage so he can share special moments with his family

What is Accidental Death and Dismemberment Insurance?

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?

2 min read

Two construction workers talking over their lunch break

Why is Accidental Death & Dismemberment not considered life insurance?

Accidental Death & Dismemberment (AD&D) insurance is designed specifically to cover certain accidents. It provides a payout in the event of death or permanent physical injury due to a covered accident. AD&D insurance is very different from traditional life insurance. Depending on your needs, you may want both kinds of coverage.

4 min read

A mother picking up her children at their grandparents' house

What is living insurance?

Living insurance is another name for a type of insurance that has been around for a while — it’s also sometimes called Accidental Death and Dismemberment (AD&D) Insurance. Sound familiar? Let's learn more.

3 min read

Family discussing the importance of life insurance and accidental death and dismemberment insurance while playing a board game.

Accidental Death & Dismemberment and life insurance: Exploring the basics

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.

1 min and 1 sec watch

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We’re on a mission to make a brighter financial future accessible to everyone. Dedicated to helping more people — in more ways — make confident financial decisions at every stage.