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Guides & Resources
Free expert guides on buying life insurance, filing claims, finding lost policies, and recovering unclaimed benefits.
The State of Life Insurance in America: 2026 Report
Original research on coverage gaps, unclaimed benefits, and what families actually face when filing claims. Based on public data from the NAIC, ACLI, and state regulators.
Read the full reportInsurance Buying Guides
How to Buy Life Insurance Online in 2026
A step-by-step guide to comparing quotes, choosing coverage, and applying online. No agent required.
No Medical Exam Life Insurance Guide
Who qualifies for no-exam policies, what they cost, and when simplified or guaranteed issue makes sense.
Life Insurance Cost Guide: 2026 Rates
Average premiums by age, gender, health class, and coverage amount. See what real people pay.
Understand coverage types
Explore policy types and benefits before deciding what fits your needs. Availability, eligibility, and policy terms vary.
- Guaranteed issue life insuranceUnderstand eligibility, benefit limits, and waiting periods before considering coverage.
- Life insurance for an SBA loanLearn how life insurance and a collateral assignment can support a lender's requirements.
- Protection IULCompare lasting life protection, the payments it needs, and the conditions that keep it in place.
- Universal lifeFlexible payments affect policy value and how long coverage lasts. See how the pieces connect.
- Return-of-premium termTerm protection with a conditional premium return. Compare its added cost with standard term life.
- Accidental death coverageCoverage for qualifying accidents. It generally excludes death from illness or natural causes.
- Long-term care insuranceHelp with eligible ongoing care costs. Check what triggers benefits, when they start, and what they cover.
- Linked-benefit coverageLife protection and eligible care benefits in one policy. Using one may reduce the other.
- Life insurance with care benefitsCare features can unlock life policy benefits after a qualifying event. Compare the actual rider, not just its name.
Looking for more?
Browse our blog for additional articles on claims, policy tips, and industry insights.