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Life Insurance Guide
If you're new to life insurance, it's easy to get overwhelmed by all the jargon. But the idea is simple: life insurance helps protect your family financially if something happens to you.
It's a way to plan ahead and secure the future you're building.
Find out what it is, how it works, and whether you need it — in plain English.
What is life insurance?
A policy is a contract where you pay a monthly or yearly premium, and if you pass away during coverage, your beneficiaries receive a tax-free cash payout — the death benefit.
Who needs life insurance?
Parents
Coverage helps provide financial stability for your children in the event something happens to you.
Homeowners
Life insurance can help cover a mortgage or protect any co-signers.
Breadwinners
Protect income-dependent family members from losing their financial foundation.
Single Adults with Debt
Even if you're single, your debt could fall to your family. Coverage prevents that.
Business Owners
Life insurance helps pay off business loans or keep your company afloat.
Older Adults
Policies can help cover final expenses so your family doesn't have to.
Types of Life Insurance
Term Life Insurance
- • Lasts for a set number of years (e.g. 10–40)
- • Most affordable option (as low as $19/month)
- • Pays only if you pass away during the term
- • Ideal for income replacement, debt coverage
Whole Life Insurance
- • Lasts for your entire life
- • Costs 5–10x more
- • Builds cash value over time
- • Used for estate planning or high-income protection
Most families start with term life because it's affordable, simple, and does the job.
How much coverage do I need?
Use the DIME formula:
Debt
Add up loans, credit cards, and funeral expenses.
Income
Multiply your annual income by how many years your family will need support.
Mortgage
Include the remaining balance or add estimated rent.
Education
Estimate $100k per child for a public 4-year university.
Many families start with 10× their annual income as a rule of thumb.
What about coverage from work?
Coverage from your job is helpful, but it usually only equals 1–2× your salary — far below what most families need.
If you switch jobs, get laid off, or retire, you may lose coverage.
That's why many people get individual life insurance to supplement or replace their work policy.
What affects the cost of life insurance?
Factors that affect pricing:
- Age
- Health history
- Tobacco use
- Term length
- Coverage amount
Sample costs:
A healthy 35-year-old non-smoking woman may pay:
Rates increase 8–12% every year you wait. Lock in early.
How does it work?
Choose your coverage
Apply online
Get a decision (instant in many cases)
Sign and activate policy
Pay premiums to keep coverage active
Beneficiary files a claim if needed
Frequently Asked Questions
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