Insure Your Love

Life insurance is for anyone who loves.

Dream On

Life insurance provides for your loved ones and empowers their dreams.

Life Insurance Basics

Start here to learn about protecting your loved ones with life insurance.

Why is life insurance worth it?

Life insurance is important because it’s a simple answer to a very difficult question: How will my loved ones manage financially if something were to happen to me?

Learn more

What are the different types of life insurance?

Life insurance generally falls into two categories:

Term life insurance provides protection for a specific period of time (the term), often 10, 20 or 30 years.

Permanent life insurance provides lifelong protection, as long as you pay the premiums.

Learn more about term and permanent insurance

What is the average life insurance cost?

The price of life insurance is based on a number of factors, but the most important are age, health and the type of policy. In general, life insurance is cheaper the younger and healthier you are.

Learn more about how much life insurance costs

Do I need life insurance?

That’s a great question. And the truth is not everyone does. But ask yourself, “Would someone suffer financially if I died?” If you answered, “Yes,” then chances are you need life insurance.

Learn more about whether you may need life insurance

Calculator

Life Insurance Needs Calculator

Answer a few simple questions to estimate the amount of life insurance coverage you need to take care of your family.

This is an estimate only. For a complete assessment, contact a qualified insurance professional.

Schroeder Family sit outside

Real Life Story

“Tom’s motto was: Be prepared. You don’t know what life will hand you.”

Jeanie and Tom had an idyllic life: a strong marriage and two children. But when Tom was tragically killed in a snowmobiling accident at just 45, the world collapsed for Jeanie and the kids. Grief overwhelmed them, but thanks to Tom’s life insurance, financial tragedy did not. It paid for the funeral and the family’s bills and expenses. And it set them up for the future so they could continue living in their home, and plan for college and retirement. Life insurance did everything Tom had planned for it to do.

Have your own story to share? Submit it here.

From the Blog

Our Scholarship

“Life insurance can’t bring a parent back, but it can make the road afterwards easier for those left behind.”

— Miranda Rivera, whose father died at 44 years old without life insurance

The Life Lessons Scholarship Program grew out of our desire to support students who are struggling financially when there wasn’t a life insurance safety net in place after the death of their parent.

Donate if you’re able: 100% of the proceeds goes directly to the students.

Our Scholarship

The Life Lessons Scholarship Program grew out of our desire to support students who are struggling financially when there wasn’t a life insurance safety net in place after the death of their parent.

Donate if you’re able: 100% of the proceeds goes directly to the students.

About Life Happens

Life Happens’ mission as a nonprofit is to give you unbiased information to help you make smart insurance choices to protect your loved ones.

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