Life insurance is designed to help protect the people who depend on you financially. A policy can provide money to beneficiaries after death, helping with income replacement, mortgage protection, debts, final expenses, childcare, education costs, or other family needs.

• Term life: Coverage for a set period of time, often used for income replacement or mortgage protection.
• Permanent life: Coverage designed to last longer, often with cash value features depending on policy type.
• Final expense: Smaller life insurance policies designed to help with funeral, burial, medical, or end-of-life costs.

The right coverage depends on your age, health, family responsibilities, budget, debts, and long-term goals.