Life Insurance Answer Center
Life insurance decisions often start with a question—not a product. Explore the topics below to find straightforward educational information about protecting income, understanding coverage, applying for insurance, living benefits, long-term care, and choosing an insurance company.
What Would You Like to Understand?
Start with the question that’s on your mind. Choose a topic below and we’ll point you toward resources that can help.
Protecting My Family & Income
Understand how income, financial responsibilities, and Human Life Value can affect the amount of protection a family may need.
Question preview: How much life insurance do I need? • What is my Human Life Value? • What if my income disappeared? • Is my coverage through work enough?
Understanding Life Insurance
Learn how term and permanent life insurance work and how different types of coverage may work together.
Question preview: Term or permanent? • How does term insurance work? • Can term and permanent work together? • Is life insurance more than a death benefit?
Applying for Coverage
Understand what happens before and during underwriting—and why health, age, income, and preparation matter.
Question preview: What do underwriters look at? • How does age affect underwriting? • Why does income affect coverage? • What should I know before applying?
Benefits You Can Use During Life
Explore riders and policy features that may provide financial protection while you’re living.
Question preview: What are living benefits? • What is an Accelerated Death Benefit? • What are riders? • Can coverage help with chronic illness or LTC?
Long-Term Care & Retirement
Understand long-term care risks, potential costs, funding approaches, and ways life insurance may complement later-life planning.
Question preview: How likely am I to need LTC? • What can care cost? • Who pays? • How can I prepare?
Choosing a Policy & Insurance Company
Learn how policies, buying methods, insurance companies, and financial-strength ratings can differ.
Question preview: Online or through an agent? • Does the company matter? • How do I evaluate financial strength? • What is COMDEX?
Find the Question You Want Answered
Each topic below connects you directly to educational articles and resources that address the questions you may be asking. Or, if you prefer, go directly to them by clicking here to browse all the Educational Articles
Protecting My Family & Income
How much life insurance does my family really need?
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What is my Human Life Value?
Understanding Life Insurance
Understanding the basic types of life insurance makes it easier to compare coverage and determine what may fit your needs.
What are my basic life insurance options?
What’s the difference between term and permanent life insurance?
Can term and permanent life insurance work together?
Is life insurance about more than a death benefit?
Can life insurance change as my needs change throughout life?
Applying for Coverage
Life insurance underwriting considers more than health. Understanding the process before applying can help you prepare and avoid surprises.
What do life insurance underwriters look at?
How can age affect life insurance underwriting?
Why does income matter when applying for life insurance?
How do insurers determine how much coverage may be financially reasonable?
What should I understand before submitting an application?
Benefits You Can Use During Life
Some life insurance policies and riders may provide access to benefits during your lifetime when certain conditions are met.
Can life insurance provide benefits while I’m still living?
What are life insurance riders?
What is an Accelerated Death Benefit?
Can life insurance help with a qualifying chronic or critical illness?
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Can life insurance help address long-term care needs?
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What is a waiver of premium?
Long-Term Care & Retirement
Long-term care and retirement planning involve different risks, but both benefit from understanding your options well before you need them.
How likely am I to need long-term care?
What does long-term care really cost?
Who pays for long-term care?
How can I prepare for long-term care before I need it?
What options are available for funding long-term care?
What is a Long-Term Care Partnership policy?
Can permanent life insurance help provide supplemental retirement income?
Choosing a Policy & Insurance Company
How you purchase life insurance—and the company behind the policy—can matter just as much as understanding the type of coverage you’re considering.