“”
By having life insurance, you’re saying to your family, ‘I love you. I’ve got you, and I’m seeing to your future no matter what.’
KELLY ROWLAND
singer, songwriter, producer, humanitarian andspokesperson for Life Insurance Awareness Month

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

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.

Maria Landeros Lopez with two sons sitting outside

Real Life Story

Maria and her two sons could rely on life insurance for financial support.

Roberto Loera would do anything for his family. That included leaving his homeland of Mexico to live and work in Colorado so he could provide a better life for his wife, Maria, and their two boys. Less than a year after his family’s visas were approved and they were reunited, Roberto was diagnosed with a brain tumor. He achieved his dream of becoming a U.S. citizen just two weeks before he died at age 47. Life insurance allowed Maria time to grieve, pay medical bills and provided for day-to-day expenses while she looked for work. “Roberto’s life insurance was such a blessing. It’s something every family should have.”

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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