Insuring your life is essential in order to secure your family's future and lifestyle in case of your death. There are a dizzying range of insurance products and companies, and each has its own benefits and suitability for speciic needs. For example, term life offers a simple death benefit for a low premium, but little in the form of growth for cash value. Variable universal life (VUL) insurance offers an incredible degree of flexibilty regarding premiums, investment options as also the rates of return and liable risk.

In this section, we detail articles which deal with explanations of the basic types of insurance, their sub-types and relative benefits and costs. Also detailed are strategies, charts and calculators to pinpoint your insurance needs using need analysis.