Graphics & Downloads
Life insurance can be easier to understand when you can see the differences.
Use these educational graphics, comparison guides, and printable resources to explore coverage options, underwriting, living benefits, and other important life insurance concepts.
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Quick Visual Guides for Better Questions
These guides are designed to simplify topics that can become complicated quickly. Use them to compare concepts, prepare questions, or review a subject before speaking with an insurance professional.
Each downloadable PDF is intended as a quick-reference educational tool. For deeper explanations, follow the related Learning Center Article when one is available.
Compare & Understand
Compare Your Life Insurance Options
Compare the major differences among common types of life insurance and see how policy design can vary by purpose, guarantees, cash value, flexibility, and cost.
Related Resource: Read the related Life Insurance Options article
Job-Based Coverage vs. Personal Protection
Understand the difference between coverage tied to employment and individually owned life insurance that may stay with you as your career changes.
Human Life Value
See how future income, financial responsibilities, family needs, and long-term goals can help frame the economic value a household may be depending on.
Related Resource: Explore Human Life Value Calculator
Underwriting
Underwriting Through the Decades
See how age, health history, coverage amount, and underwriting requirements can change as applicants move through their 30s, 40s, 50s, and 60s.
Related Resource: Read the Underwriting Learning Center Article
Age & Income — Financial Underwriting
See an illustrative example of how age and income-replacement guidelines can affect the amount of life insurance a carrier may consider financially reasonable.
Related Resource: Read the Underwriting Learning Center Article
Three Paths Through Underwriting
Compare traditional, accelerated, and simplified underwriting approaches and understand why the process can differ by applicant, carrier, and coverage amount.
Related Resource: Learning Educational Articles
Riders & Living Benefits
Common Insurance Riders
Review common life insurance riders and the different ways riders may add protection, flexibility, living benefits, family coverage, or future options.
Related Resource: Read the Common Insurance Riders Article
Riders Through Life's Changing Stages
See how rider priorities may change as family responsibilities, earning years, health concerns, later-life planning, and legacy goals evolve.
Related Resource: Learning Educational Articles
ADB vs. LTC
Compare accelerated death benefit and long-term care concepts, including how benefits may be triggered, paid, and affect the remaining life insurance benefit.
Related Resource: Learning Educational Articles
Ready to Do Some Personal Planning?
The graphics on this page are designed to help you understand and compare. If you are ready to organize your own protection needs and priorities, continue to the Forms & Checklists page.
Have a Question About One of These Guides?
You do not need to understand every detail before asking a question. If a graphic raises a question about your current coverage, underwriting, Human Life Value, or available options, we can help you understand what it may mean for your situation.
Educational Disclaimer: These graphics, guides, and downloadable resources are provided for general educational purposes only. They are not financial, tax, legal, or insurance advice and do not determine eligibility, coverage, pricing, or the appropriate type or amount of insurance. Policy features, riders, underwriting requirements, benefits, costs, and availability vary by insurance company, product, state, and individual circumstances. Always review the actual policy and rider provisions.