Policy types
![A financial advisor working with their client to choose the best type of life insurance for their needs.](/-/media/project/pli/protective/learn/life-insurance-basics/_learn_types-of-life-insurance_pli-grid_of_cards_3_col-54.jpg?h=200&iar=0&w=400&hash=5DF3081D3B1C13A3D6E14D0F114B2282)
Different life insurance policy types explained
Read this informative article on the differences between whole, universal and term life insurance policies and how some life insurance options can earn cash value.
![Millennial woman browsing her smartphone on the steps of a building.](/-/media/project/pli/protective/learn/life-insurance-basics/learnhowmillennialscanbenefitfrompayingwholelifeinsuranceratesmtmagridofcards3col94.jpg?h=200&iar=0&w=400&hash=2CBADA014C1FFDBFF026C77D3E81BC7B)
How Gen Z can benefit from paying whole life insurance rates
When you're young it may be tempting to opt for the least expensive life insurance offerings. But when you consider ideas like coverage that can last for a lifetime, you may want to take a closer look.
![Woman looking pensive and reflecting about difficult financial decisions.](/-/media/project/pli/protective/learn/life-insurance-basics/_learn_how-much-is-life-insurance-after-you-get-a-dui-or-dwi.png?h=200&iar=0&w=400&hash=A193806BEFD33AC1C57C09AE3F9BB01D)
How much is life insurance after you get a DUI or DWI?
A DUI or DWI may have an impact on life insurance options. Multiple infractions can be considered behavioral risk factors, making a policy more expensive.
![Father and daughter dancing at home, thankful that the father bought child life insurance.](/-/media/project/pli/protective/learn/life-insurance-basics/_learn_life-insurance-for-children_family_young-grid_of_cards_3_col-48.jpg?h=200&iar=0&w=400&hash=9D5FEBDEFAB092B176F661AF910DCCEF)
Learn your options for child life insurance at Protective
If you are investigating child life insurance, these articles will help provide information on everything from why it may be a good idea to simple ways to get the coverage you want.
![An older gentleman who smokes but is able to get life insurance.](/-/media/project/pli/protective/learn/life-insurance-basics/_learn_life-insurance-for-smokers-what-is-the-cost_mtma-grid_of_cards_3_col-60.jpg?h=200&iar=0&w=400&hash=A34278CD1C46F32131983A618D0287CD)
Life insurance for smokers: What's the cost?
If you are a smoker, having some life insurance is better than having none. This article discusses preferred smoker rates, when you are considered a nonsmoker, and the importance of full disclosure.
![Older couple laughing in kitchen.](/-/media/project/pli/protective/learn/life-insurance-basics/learnisthereamaximumageforgettinglifeinsuranceifimover50seniorsgridofcards3col17.jpg?h=200&iar=0&w=400&hash=5B16E83CF2B23B86AEEAD492B3745CEC)
Life insurance over 50
If you are over the age of 50, getting life insurance is still possible. As you age, premiums for new policies may be higher and your options may be more limited, but don't rule out insurance at a later age.
![Woman in glasses sitting outside looking at her phone with her laptop in her lap.](/-/media/project/pli/protective/learn/life-insurance-basics/_learn_what-happens-to-my-life-insurance-policy-if-i-leave-my-employer_mtma-grid_of_cards_3_col-11.jpg?h=200&iar=0&w=400&hash=C81C29135CD3588459797B05CC40DCB0)
Life insurance policy options if you leave your employer
If your current place of employment changes, do you know what will happen to your life insurance policy? Find out what options are available to you if you are interested in retaining that policy.