Watch Brooke Shields’ important message about life insurance.

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.

Real Life Story

A young mother made sure her family’s future was protected with life insurance.

Even though Katie Miller was young, she knew to plan for her family’s future with life insurance. Shortly after welcoming their second son, she passed from an aggressive cancer at age 30. “Nothing can bring Katie back, but having life insurance meant we didn’t lose everything,” says widowed husband Stephen.

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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