What does a financial planner do? Understanding the role of financial planning

Having children changes everything. As your family grows, your policy needs to be able to keep up. Watch this video to learn how life insurance can help provide crucial coverage for your family at every stage of life, from early childhood to college years and beyond.

If you’ve wondered why life insurance premiums are different from person to person, the answer often comes down to a process called underwriting. This is the process where insurers review certain risk factors to help determine the cost of coverage. This video explains how life insurance premiums are calculated and why factors like age, health, lifestyle, and policy choices can influence pricing.

Whether you’re single, a parent, the primary wage earner for your home or a business owner, you may be wondering, “Should I be thinking about life insurance?” If that sounds familiar, watch this short video to find out when could be the right time to consider a life insurance 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.

Let's look at common questions about auto insurance and the gig economy in simple terms, so you can better understand what coverage may apply.

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.

An insurance company may give you an immediate discount on your car insurance simply for agreeing to use their tracking device. Learn how they work.

From immediate actions at the scene to the necessary follow-up procedures, being prepared could make a significant difference. 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.

Managing money can sometimes feel overwhelming. Between everyday expenses, saving for the future and planning for major life events, it may feel hard to know what to prioritize and where to begin. Learning more about financial planning and the role of a financial planner could help consumers better understand their options and make more informed decisions about their financial future.

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.

Accidental death and dismemberment (AD&D) insurance offers coverage beyond traditional life insurance. Explore nine AD&D benefits below to learn how it could help protect you and your family.

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.

In this video, find out how AD&D insurance is different than life insurance and how it could make a big difference if there’s a loss of income in certain accidental scenarios.