Life insurance types

Explore articles that explain the different types of life insurance — such as term, whole, universal and indexed — highlighting how each works, key benefits, costs and scenarios where one option may fit your needs better than another.

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What is supplemental life insurance?

Employers often offer optional supplemental life insurance as part of their benefits package. While helpful, it’s important to understand its limits before relying on it alone.

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Return of premium riders

For an additional cost, a return of premium rider can offer a return of your premiums when your term policy comes to an end. Learn more about how it works to see if this rider is right for you.

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Term vs. whole life insurance

When it comes to life insurance, there are many options. Use this article to understand the differences between term and whole life insurance and choose the option that meets your budget and needs.

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Understanding level term life insurance

Level term life insurance is a common, straightforward type of term life. Learn more about this type of coverage, the advantages and drawbacks to help you determine if it may be a good option for you.

A male and female coworker look at a laptop to review their employer’s group term life insurance offering.

Understanding group term life insurance

Group term life insurance can be an affordable, straightforward way to get coverage through your employer. It offers basic protection that’s easy to enroll in and can help ensure your loved ones are financially supported if something happens to you.

A senior couple sitting in their living room with a financial professional reviewing life insurance options on a tablet.

What's the best life insurance for seniors?

Life insurance needs change as you age, and seniors often look for coverage that balances affordability with end‑of‑life planning.

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Young woman sitting on sofa at home shopping for life insurance on laptop.

Choosing a policy

Explore articles that help you choose the right life insurance policy — covering policy types, coverage amounts, cost factors, riders, and how to match options to your goals, budget and stage of life.

A couple managing their life insurance policy using a laptop, while sitting comfortably in their living room at home.

Managing a policy

Explore articles that help you manage an existing life insurance policy — covering payments, beneficiary updates, policy changes, options at term expiration and ways to adjust coverage as your life, finances and needs change.

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Life insurance basics

Explore beginner-friendly articles that explain the basics of life insurance — what it is, how it works, policy types, key terms, costs and why coverage matters — helping you build a clear foundation before choosing or buying a policy.

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