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For the people who count on you

Life insurance,
a little clearer.

Get to know term and permanent coverage before choosing a policy.

Start with the basics.

Life insurance can provide a payment to named beneficiaries when the insured person dies, under the terms of the policy. Consider who depends on you and how long you want protection to last.

KNOW WHAT YOU’RE LOOKING AT

The pieces of a policy.

Term life

Coverage for a specified period, such as a set number of years.

Permanent life

Longer-term protection that may include a cash-value component.

Beneficiaries

The people or entities you name to receive a policy benefit.

Policy options

Riders and additional features vary by insurer and can affect cost.

Policy availability, pricing, and underwriting vary. Read the policy and ask a licensed professional about features you do not understand.

BEFORE YOU CHOOSE

Bring better questions
to the conversation.

See the full comparison guide
  1. 01

    Compare the same benefit amount and term.

  2. 02

    Understand premium guarantees and renewal terms.

  3. 03

    Review exclusions, riders, and beneficiary designations.

A few common questions.

How do term and permanent policies differ?

Term coverage lasts for a specified period. Permanent policies can provide longer-term protection and may have cash value, with different costs and conditions.

Can I update a beneficiary?

Ask the insurer about its beneficiary change process and any restrictions that apply to your policy.

Further reading: NAIC life insurance buying guide. Reviewed October 13, 2026.

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