Life Insurance
What People Use Life Insurance For
Most people do not need 'a policy'. They need a specific problem solved. Start from the problem.
Use cases
Common reasons people buy coverage
Mortgage ProtectionKeeping a household in its home if the income paying for it stops. It is a planning goal — several kinds of policy can serve it, and it is rarely the whole coverage question.Income ReplacementIf the income a household depends on stopped, life insurance is one way to replace part of that support. This is how to think about how much, and for how long.For FamiliesWorking out what a household would actually need if the support it runs on stopped — income, care, education and stability — without counting the same need twice.Insuring a ChildA narrower question than protecting children financially, and a separate one. This page is about coverage on a child's own life — what it is, why some families consider it, and the reasons many decide it is not for them.Stay-at-Home ParentNo paycheque does not mean no economic contribution. This is how to think about what a household would actually have to buy.College ProtectionSaving for education and protecting an education goal are two different problems. This page is about the second one.Final ExpensesThe immediate costs that land on a household in the first weeks. Final expense is a purpose people buy coverage for — not a sixth kind of life insurance.Estate & LegacyOne possible source of cash at a moment when an estate may need it. This is educational and high-level — estate planning is legal work, and this page is not it.
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