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Lapse

When a policy ends due to non-payment of premiums. A lapsed policy no longer provides coverage or benefits.

October 25, 2025Read more

Living Benefits

Features that allow you to access a portion of your life insurance policy while you’re still alive, often in cases of serious illness or financial need.

October 25, 2025Read more

Needs Analysis

A personalized assessment used to determine how much life insurance coverage you need based on your income, debts, dependents, and future goals.

October 25, 2025Read more

Policyowner

The person who owns the life insurance policy and is responsible for paying the premiums. This may or may not be the same person as the insured.

October 25, 2025Read more

Premium

The amount you pay (monthly, quarterly, or annually) to keep your life insurance policy active.

October 25, 2025Read more

Rider

An add-on to a life insurance policy that provides additional benefits or coverage, such as chronic illness,critical illness, or terminal illness protection. Most companies offer these riders at no extra charge.

October 25, 2025Read more

Surrender Value

The amount of money you receive if you cancel a permanent life insurance policy before death. It includes the cash value minus any fees or loans.

October 25, 2025Read more

Term Life Insurance

A policy that provides coverage for a specific period (such as 10, 20, 30 or 35 years). If the insured dies during the term, the death benefit is paid out.

October 25, 2025Read more

Underwriting

The process insurers use to evaluate your health, lifestyle, and risk factors to determine your eligibility and premium rate.

October 25, 2025Read more
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