Life Insurance Resources

Here is a comprehensive list of resources to assist you in researching, shopping for and purchasing life insurance coverage.

Life Insurance Definition

Learn about life insurance, how it works and why it’s important for you and your loved ones.

What is a life insurance policy?

A life insurance policy is a contract with an insurance company. In exchange for premium payments, the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured’s death. Typically, life insurance is chosen based on the needs and goals of the owner.

Investopedia – What is Life Insurance?

Wikipedia – Life Insurance 

Business Dictionary – Definition of Life Insurance


Types of Life Insurance

Review and compare the benefits and drawbacks of the basic types of life insurance policies.

III – What are Principle Types of Life Insurance?

Prudential – Types of Life Insurance

Good Financial Cents – Life Insurance 10: Types of Life Insurance Explained


Life Insurance Tools and Resources

Allstate – Life Insurance Tools and Resources

eHealthinsurance – Life Insurance Resources


Financial Ratings

Learn about financial strength ratings, how they are determined, and why they are important to consider when choosing a life insurance company.

AM Best Company – Financial strength ratings

Moody's – Life insurance company ratings

Standard and Poor's – Insurance company ratings

Dun & Bradstreet – Financial ratings

Fitch Ratings – Independent rating agency


Life Insurance Calculators

Review these helpful calculators that can assist you in deciding how much life insurance you need.

LifeHappens – Calculate Your Needs 

Life Insurance Calculator – How Much Life Insurance Do I Need


Best Life Insurance Companies

Review these resources that provide information and analysis of leading life insurance carriers in America.

Insurance Information Institute – Insurance Company Rankings

Term Life Online – Top 10 Life Insurance Companies

Insure.com – Best Life Insurance Companies

Reviews.com – Best Term Life Insurance Companies

 

Life Insurance Quotes

Choose from the list of resources below to help you compare the best instant life insurance rate quotes among the leading life insurance companies to help you save time and money finding a quality, affordable life insurance policy.

How can the cost of life insurance be determined? 

Insurers use rate classes, or risk-related categories, to determine your premium payments; these categories don’t, however, affect the length or amount of coverage.

Your rate class is determined by a number of factors, including overall health, family medical history and your lifestyle. Tobacco use, for example, would increase risk and, therefore cause your premium payment to be higher than that of someone who doesn’t use tobacco.

Wholesale Insurance – Compare the best life insurance rates from 40 top carriers

Efinancial – Shop for affordable term life insurance plans

Haven Life – Get affordable life insurance today

  • Get up to $1,000,000 of affordable term life insurance today
  • Apply online in under 20 minutes, start coverage today
  • Backed by MassMutual, rated A++ by AM Best 

   

Life Insurance Blogs

Life Happens Blog – Learn about Life Insurance

Intelliquote – Life Insurance Blog

Term Life Online Blog – Top 10 Life Insurance Blogs

Haven Life – Insurance Blog

Blogmetrics – Life Insurance Blog Rankings


Life Insurance Facts

Use these resources to help you learn important facts and statistics about life insurance coverage.

Insurance Information Institute – Life Insurance Facts and Statistics

Life Insurance Online – Facts about Life Insurance


Life Insurance Videos

Watch the videos listed below to help you learn how life insurance coverage works.

LifeHappens – Life Insurance Videos

Allstate – Term Life Insurance Made Simple

Khan Academy – Term and Whole Life Insurance Policies

Insurance Information Institute – Learn about Life Insurance

Northwestern Mutual – Life Insurance with Living Benefits

 

Life Insurance Departments of Insurance

Here is a list of the departments of insurance in every state in the U.S.A. They are responsible for oversight of insurance companies and licensing of insurance agents.

Alabama Department of Insurance: http://www.aldoi.gov

Alaska Department of Commerce, Community & Economic Development – Division of Insurance: https://www.commerce.alaska.gov/web/ins/

Arizona Department of Insurance: https://insurance.az.gov

Arkansas Insurance Department: http://www.insurance.arkansas.gov

California Department of Insurance – CDI: http://www.insurance.ca.gov

Colorado Department of Regulatory Agencies – Division of Insurance: https://www.colorado.gov/pacific/dora/division-insurance

Connecticut Insurance Department: http://www.ct.gov/cid/site/default.asp

Delaware Department of Insurance: http://www.delawareinsurance.gov

District of Columbia Department of Insurance, Securities and Banking: http://disb.dc.gov/page/insurance

Florida Department of Insurance Regulation: http://www.floir.com

Georgia Department of Insurance – Office of Insurance and Fire Safety Commissioner: https://www.oci.ga.gov/home.aspx

Hawaii Department of Commerce & Consumer Affairs – Insurance: http://cca.hawaii.gov/ins/

Idaho Department of Insurance: http://www.doi.idaho.gov

Illinois Department of Insurance: http://insurance.illinois.gov

Indiana Department of Insurance: http://www.in.gov/idoi/

Iowa Insurance Division: http://www.iid.state.ia.us

Kansas Insurance Department: http://www.ksinsurance.org

Kentucky Department of Insurance: http://insurance.ky.gov

Louisiana Department of Insurance: http://www.ldi.la.gov

Maine Department of Professional & Financial Regulation – Bureau of Insurance: http://www.maine.gov/pfr/insurance/

Maryland Insurance Administration: http://insurance.maryland.gov/Pages/default.aspx

Massachusetts Office of Consumer Affairs & Business Regulation – Division of Insurance: http://www.mass.gov/ocabr/government/oca-agencies/doi-lp/

Michigan Department of Insurance and Financial Services: http://www.michigan.gov/difs/

Minnesota Department of Commerce – Insurance Division: http://mn.gov/commerce/industries/insurance/

Mississippi Insurance Department: http://www.mid.ms.gov

Missouri Department of Insurance: https://insurance.mo.gov

Montana Commissioner of Securities & Insurance: http://csimt.gov

Nebraska Department of Insurance: https://doi.nebraska.gov

Nevada Department of Business and Industry – Division of Insurance: http://doi.nv.gov

New Hampshire Insurance Department: http://www.nh.gov/insurance/

New Jersey Department of Banking & Insurance: http://www.state.nj.us/dobi/index.html

New Mexico Department of Insurance: http://www.osi.state.nm.us

New York Department of Financial Services – Insurance: http://www.dfs.ny.gov/insurance/dfs_insurance.htm

North Carolina Department of Insurance: http://www.ncdoi.com

North Dakota Insurance Department: https://www.nd.gov/ndins/

Ohio Department of Insurance: https://www.insurance.ohio.gov/Pages/default.aspx

Oklahoma Insurance Department: https://www.ok.gov/oid/

Oregon Department of Consumer and Business Services – Insurance: http://dfr.oregon.gov/Pages/index.aspx

Pennsylvania Insurance Department: http://www.insurance.pa.gov/Pages/default.aspx

Rhode Island Department of Business Regulation – Insurance: http://www.dbr.state.ri.us/divisions/insurance/

South Carolina Department of Insurance: http://www.doi.sc.gov

South Dakota Department of Labor and Regulation – Division of Insurance: http://dlr.sd.gov/insurance/

Tennessee Department of Commerce & Insurance: https://www.tn.gov/commerce/section/insurance

Texas Department of Insurance: http://www.tdi.texas.gov

Utah Insurance Department: https://insurance.utah.gov

Vermont Department of Financial Regulation – Insurance Division: http://www.dfr.vermont.gov/insurance/insurance-division

Virginia – State Corporation Commission – Bureau of Insurance: http://www.scc.virginia.gov/boi/index.aspx

Washington State Office of The Insurance Commissioner: https://www.insurance.wa.gov

West Virginia Office of the Insurance Commissioner: http://www.wvinsurance.gov

Wisconsin Office of the Commissioner of Insurance: https://oci.wi.gov/Pages/Homepage.aspx

Wyoming Department of Insurance: http://doi.wyo.gov


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