Life Insurance

Pays a benefit to the people who depend on your income. Term covers a defined period; permanent policies build cash value and cost considerably more.

Life Insurance by state

Insurance is regulated state by state. What a policy must include, what it may exclude, and who writes it all change at the state line.

Buying guides
How to choose an insurance agent
Anyone can quote you a price. The differences that matter are who the agent represents, how they are paid, and what they write down.
Coverage explained
Life insurance basics
What a policy actually does, who it is really for, and the difference between the death benefit and the cash value that confuses almost everyone.
Coverage explained
Auto insurance explained: what each coverage actually pays for
An auto policy is six separate coverages sold as one product. Most of them have nothing to do with your car. Here is what each one does.
Coverage explained
Homeowners insurance explained: the six parts of the policy
A home policy is six coverages, and the first one silently sets the size of three others. Here is how the structure works and where it goes wrong.

Talk to someone who has to write it down

Every agency in this directory has agreed to present an adequately protected option before a price-driven one, and to document in writing anything you decline. That is a meaningfully different conversation from the one that starts with a monthly figure.

Find a certified agent for life insurance

Life Insurance by state

Reading on life insurance

Talk to someone who has to write it down