Guides
Life Insurance 101
The essentials of life insurance — term vs. permanent coverage, how much you might need, and how to think clearly about protecting the people who depend on you.
What it is
An introduction to how life insurance works, written without the sales pressure. It covers the two main kinds of coverage, what drives the price, and a simple way to think about the amount.
Who it helps
New parents, homeowners, business owners, and anyone whose income or care others rely on.
When to use it
When your life changes — marriage, a new baby, a mortgage, a business — or any time you want to make sure the people you love are protected.
Resource Center
What you'll learn
- The difference between term and permanent (whole/universal) life insurance
- A straightforward way to estimate how much coverage you need
- What affects your premium and how to keep it affordable
- Common mistakes to avoid when buying a policy
Questions
Frequently asked
Should I choose term or permanent life insurance?
Term covers you for a set period (like 20 or 30 years) at a lower cost and fits most families protecting income during working years. Permanent lasts your whole life and builds cash value, which can make sense for estate or business planning. Many people start with term.
How much life insurance do I need?
A common starting point is to cover your income for the years your family would need it, plus major debts like a mortgage and future costs like education. We can help you refine the number for your situation.
Is coverage through work enough?
Employer coverage is a helpful start but is often limited and usually ends when you leave the job. Many people add an individual policy so their protection isn't tied to their employer.
Ready when you are
Want this resource or a hand walking through it?
We'll send it over and answer any questions — always education-first, never a sales pitch.