Top Articles

Finding the Best Life Insurance Policy
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How Much Life Insurance Do I Need?
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Why Do You Need Life Insurance?
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Six Basic Types of Life Insurance
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Learn About Term Life Insurance
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Learn About Life Insurance "Endowment"
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Learn About Whole Life Insurance
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Learn About Variable Life Insurance
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Learn About Universal Life Insurance
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Learn About Variable-Universal Life Insurance
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Read More Life Insurance Articles

Life insurance is an essential part of financial planning. One reason most people buy life insurance is to replace income that would be lost with the death of a wage earner. The cash provided by life insurance also can help ensure that your dependents are not burdened with significant debt when you die.

When you buy life insurance, you want a policy which fits your needs without costing too much. Your first step is to decide how much you need, how much you can afford to pay and the kind of policy you want. Then, find out what various insurance companies charge for that kind of policy. If you compare Surrender Cost Indexes and Net Payment Cost Indexes of similar competing policies, your chances of finding a relatively good buy will be better than if you do not shop.

Six Basic Kinds of Life Insurance

Regardless of how fancy the policy title or sales presentation might appear, all life insurance policies contain benefits derived from one or more of the three basic kinds shown below. Some policies combine more than one type of life insurance...

Use the Links below to read articles that explain each type of life insurance.

Term Life Insurance
Endowment Life Insurance
Whole Life Insurance
Variable Life Insurance
Universal Life Insurance
Variable Universal Life Insurance