Types of Life Insurance

Planning for financial aspects after your life may be a gloomy prospect, but it is critical for the financial security of your family. Life insurance is too often overlooked because people aren’t clear about the consequences – without coverage, in the event of your death, your loved ones may be severely impacted by the loss of your income.

The single most important decision you make about your life insurance policy is that it best meets your needs. To begin, Life Insurance Info provides an overview of each type of life insurance plan available. By starting with a general overview of each policy type, you will be well on your way to making the best choice for you and your family.

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Life Insurance by Type

Simply click the link below to get more information about each.

Term Life Insurance: affordable and flexible, provides coverage for a specified length or term.
Permanent Life Insurance: provides coverage for the duration of your life.
Term Life vs. Permanent Life: which is right for you?
Whole Life Insurance: permanent insurance, where premiums remain the same through the life of the policy with a portion invested.
Universal Life Insurance: similar to whole life, but more flexible with amount of premiums and death benefit adjustment.
Variable Life Insurance: allows you to make decisions about where money gets invested.
Variable Universal Life Insurance: allows you to adjust amount of death benefit, premium, and investment choices.
Survivorship Life Insurance: insures both you and your spouse under one policy, with the proceeds payable after the second death.
Convertible Life Insurance: allows you to convert to a different policy at the end of the term.
No Medical Exam Life Insurance: policy does not require a medical exam for approval; not for people with serious health issues.
Child Life Insurance: a policy specifically for a child.
Senior Life Insurance: a policy specific to senior coverage.
Group Life Insurance: specific to businesses providing life insurance coverage for their employees.
Military Life Insurance: learn about the options available to retired military personnel and veterans.
Key Man Life Insurance: find out how you can protect your business with a life insurance policy.

For more information, visit the Life Insurance Basics section for terminology, uses and estimated rates.

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Life-Insurance-Info.us is not a life insurance broker or carrier, and cannot issue life insurance policies. This site provides free information on insurance providers and coverage options. We are not associated with the companies profiled on Life-Insurance-Info.us and we make no representation, express or implied, that you will receive a quote from a specific company profiled herein. Products and policies may not be available in all states, and product and policy information is subject to change without notice. Please contact the insurance company directly to answer your policy inquiries.

Last Updated: June 16, 2009