Life insurance to help protect the people you love
Life insurance can help your family cover everyday expenses, debts, and future goals if something happens to you. We'll help you understand the options.
What is life insurance?
Life insurance pays a benefit to the people you choose if you pass away while the policy is in force. Families often use it to replace income, pay off a mortgage, fund education, or cover final expenses.
The two main categories are term life, which covers a set period, and permanent life, which is designed to last your lifetime and may build cash value. Some families also consider long-term care coverage alongside life insurance.
Common coverage options
Availability and terms vary by insurance company and state. An agent can explain what applies to you.
- Term life
- Coverage for a set period, such as 10, 20, or 30 years. Often chosen to protect a family during working and child-raising years.
- Whole life
- Permanent coverage with fixed premiums that may build cash value over time, depending on the policy.
- Universal life
- Permanent coverage with more flexibility in premiums and death benefit, subject to policy terms.
- Final expense
- Smaller permanent policies intended to help cover funeral and end-of-life costs.
- Long-term care options
- Standalone long-term care insurance or life policies with long-term care riders may help with the cost of extended care. Ask an agent what's available.
Benefits
- Income replacement for your family
- Help paying off a mortgage or other debts
- Funding for future goals like education
- Guidance comparing term and permanent options
Things to consider
- Approval and pricing usually depend on age, health history, and lifestyle. Some policies require a medical exam.
- A common starting point is to add up debts, future expenses, and years of income your family would need.
- Review your beneficiaries after major life events like marriage, divorce, or a new child.
- Coverage through an employer may not follow you if you change jobs.
Life Insurance questions
How much life insurance do I need?
It depends on your income, debts, and your family's future needs. An agent can walk you through a simple needs estimate so you can choose an amount that makes sense.
Term or permanent — which is better?
Neither is universally better. Term is usually more affordable for a set period, while permanent coverage lasts longer and may build cash value. The right fit depends on your goals and budget.
Will I need a medical exam?
Some policies require one and some do not. Requirements vary by insurance company, coverage amount, and your age.
Should I share health details in the quote form?
No. The form only asks for general information. If an application requires health details, a licensed agent will discuss that with you directly.
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Questions about life insurance?
Request a free quote online or call a SureLine agent. There's no obligation to buy.