Planning guide
Life insurance considerations by life stage
Explore common life-insurance questions people raise in their 20s through their 70s.
Age can influence cost and available options, but the financial responsibilities and people you want to protect are equally important. Use this guide to frame the questions that matter at your stage of life.
Your 20s and 30s
New families, shared financial commitments, and early career income are often part of the conversation. Starting with the needs you would want covered can be more useful than starting with a product name.
Your 40s and 50s
Mortgage balances, education funding, business responsibilities, and evolving retirement plans may prompt a coverage review. Consider how much protection your household would need if income changed.
Your 60s and 70s
Final expenses, legacy goals, and existing-policy reviews may become more prominent. Product availability and underwriting vary, so a direct conversation about your goals can help clarify the options.