Life insurance is a contract between an insurer and a policyholder in which the insurer guarantees payment of a death benefit to named beneficiaries upon the death of the insured. The insurance company promises a death benefit in consideration of the payment of premium by the insured.


INSURE U – Get Smart About Insurance is a public education program created by the National Association of Insurance Commissioners (NAIC) to assist consumers with information about insurance issues.

Insure U is designed to help insurance consumers as their lives and needs change, and to educate them about how to avoid being scammed. The program also reminds consumers of the tools and resources provided them by state insurance regulators.

Since its 2006 launch, Insure U has featured public service announcements (PSA), consumer alerts, news releases, mobile apps and games, along with integrated social media campaigns, in order to help consumers understand difficult topics.


Estate Planning
Key Person Life Insurance
Long-Term Care Insurance
Term Life Insurance
Whole Life Insurance
Universal Life

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Hot Topics


Tax Reform

The changes in tax law provide extra incentive to reassess your life policies’ costs and benefits. The new tax law roughly doubled the federal estate-tax exemption and created more favorable tax treatment for people who sell their policies to investors.


College Planning

Life insurance policies that build cash value can be a viable alternative to a college 529 plan. They can offer more flexibility if you have other financial goals and obligations and if you have any doubt that your kids will go down the path to a college education.


Term/Whole Life

Term life insurance premiums are only there to provide a death benefit to your beneficiaries if you die during a specified term, while money you invest in whole life premiums build cash value that you can use later in life or added to the death benefit payout.


Will & Testament‎

The primary purpose of your last will and testament is to distribute any property you own in the event of your death, it may also legally specify a number of other provisions, including: Ensuring your spouse or partner receives all your possessions.

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