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Think of this section as an "Insurance 101." We're answering some basic – but vital – questions here. Why have life insurance? Who needs it? What are the basic kinds?
What is life insurance? Very simply, it's a contract you have with a life insurance company. If you die while the contract is in force, the company will pay a death benefit to your beneficiary.
(Note: Within the first two years of a policy being in force, most insurance companies will not pay in the event of suicide or in cases of death where there has been a material misrepresentation in the application.)
Top 10 questions about life insurance
If you use tobacco or have health problems
Glossary of life insurance terms
Comparing Permanent and term life insurance
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