Affordable Life Insurance Protection for Your Family

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

Life Insurance Industry Trends – 33 New Life Insurance Statistics and Industry Trends for 2024

Term Life Insurance Industry Trends - 17 New Term Life Insurance Statistics and Trends for 2024

Whole Life Insurance Trends - 15 New Whole Life Insurance Statistics and Trends for 2024

Child Life Insurance Industry Trends - 11 New Child Life Insurance Statistics and Trends for 2024

Senior Life Insurance Trends - 17 New Senior Life Insurance Statistics and Trends for 2024

Mortgage Life Insurance Trends - 17 New Mortgage Life Insurance Statistics and Trends for 2024

Learn About Life Insurance - 55 Important Things to Know About Life Insurance

Learn About Term Life Insurance - 27 Important Things to Know About Term Life Insurance

Guaranteed Life Insurance - 27 Important Things to Know About Guaranteed Life Insurance

Senior Life Insurance - 27 Important Things to Know About Senior Life Insurance

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 – Best Life Insurance Companies – Best Term Life Insurance Companies


Life Insurance Quotes

Use the resource 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 is 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.

Top Pick – JRC Insurance Group

JRC Insurance Group helps you shop, compare and save on life insurance. Regardless of your age or health background, we'll shop our 40+ insurance companies and find you affordable life insurance you need to protect your family and fit your budget. Compare the best life insurance rates for savings up to 73%. 

Life Insurance Blogs

Life Happens Blog – Learn about Life Insurance

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

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:

Alaska Department of Commerce, Community & Economic Development – Division of Insurance:

Arizona Department of Insurance:

Arkansas Insurance Department:

California Department of Insurance – CDI:

Colorado Department of Regulatory Agencies – Division of Insurance:

Connecticut Insurance Department:

Delaware Department of Insurance:

District of Columbia Department of Insurance, Securities and Banking:

Florida Department of Insurance Regulation:

Georgia Department of Insurance – Office of Insurance and Fire Safety Commissioner

Hawaii Department of Commerce & Consumer Affairs – Insurance:

Idaho Department of Insurance:

Illinois Department of Insurance:

Indiana Department of Insurance:

Iowa Insurance Division:

Kansas Insurance Department:

Kentucky Department of Insurance:

Louisiana Department of Insurance:

Maine Department of Professional & Financial Regulation – Bureau of Insurance:

Maryland Insurance Administration:

Massachusetts Office of Consumer Affairs & Business Regulation – Division of Insurance:

Michigan Department of Insurance and Financial Services:

Minnesota Department of Commerce – Insurance Division:

Mississippi Insurance Department:

Missouri Department of Insurance:

Montana Commissioner of Securities & Insurance:

Nebraska Department of Insurance:

Nevada Department of Business and Industry – Division of Insurance:

New Hampshire Insurance Department:

New Jersey Department of Banking & Insurance:

New Mexico Department of Insurance:

New York Department of Financial Services – Insurance

North Carolina Department of Insurance:

North Dakota Insurance Department:

Ohio Department of Insurance

Oklahoma Insurance Department:

Oregon Department of Consumer and Business Services – Insurance:

Pennsylvania Insurance Department:

Rhode Island Department of Business Regulation – Insurance:

South Carolina Department of Insurance:

South Dakota Department of Labor and Regulation – Division of Insurance:

Tennessee Department of Commerce & Insurance:

Texas Department of Insurance:

Utah Insurance Department:

Vermont Department of Financial Regulation – Insurance Division

Virginia – State Corporation Commission – Bureau of Insurance:

Washington State Office of The Insurance Commissioner:

West Virginia Office of the Insurance Commissioner:

Wisconsin Office of the Commissioner of Insurance:

Wyoming Department of Insurance:

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