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Now is the perfect time to learn the basics about life insurance and then get the coverage you need. The good news? It’s more affordable than you think.
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@solcotti

Life Insurance 

Disability Insurance 

Long-Term Care Insurance 

Annuities 

How much life insurance do you need?

Answer a few simple questions to estimate the amount of life insurance coverage you need to take care of your family. This is an estimate only. For a complete assessment, contact a financial professional.

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Determining how much and what kind of insurance to buy is one of the most important financial decisions you’ll make. Many people choose to work with a financial professional who will conduct a comprehensive financial needs analysis, and walk you through the multitude of questions you need to consider to determine how much and what kind of insurance is right for you.

Get started with our locator to find a financial professional in your area.

Headshot of Mike Sizemore, disability insurance Real Life Story

Real Life Story

“Without life insurance, our life would look drastically different than it does today.”

Ryan worked as a firefighter and embodied the best of that profession. Unfortunately, at the age of 41, he died while on duty. The public mourning that unfolded in his community spoke volumes about the man he was. Ryan was also an exemplary family man. After his death, his life insurance has made all the difference financially for his wife, Raquel, and their two children. It has allowed them to continue living the life he dreamed they’d have.
Have your own story to share? Submit it here.
NAIFA

As of 2024, Life Happens became part of the National Association of Insurance and Financial Advisors, which was a key founding member in 1994. The newly expanded organization, which also includes the Society of Financial Service Professionals, leverages each organization’s strengths to create a greater impact for the industry, financial service professionals and consumers. Learn more here.

Our partners support our mission.

2025 Top Supporters

StateFarm
MassMutual
Prudential
USAA
Corebridge Financial
Erie Insurance
Kemper Life
National Life Group
Nationwide
New York Life
Protective
Sammons Financial
Southern Farm Bureau Life Insurance
Farm Bureau Insurance Tennessee
Corebridge Financial
Erie Insurance
Kemper Life
National Life Group
Nationwide
New York Life
Protective
Sammons Financial
Southern Farm Bureau Life Insurance
Farm Bureau Insurance Tennessee

According to our new survey …

Gut feelings, prayers and “pure vibes” are influencing Americans’ major decisions—including investing.

Our Scholarship

“Life insurance can’t bring a parent back, but it can make the road afterwards easier for those left behind.”

  • Miranda Rivera, whose father died at 44 years old without life insurance

The Life Lessons Scholarship Program grew out of our desire to support students who are struggling financially when there wasn’t a life insurance safety net in place after the death of their parent.

Donate if you’re able: 100% of the proceeds goes directly to the students.

Our Scholarship

“Life insurance can’t bring a parent back, but it can make the road afterwards easier for those left behind.”

  • Miranda Rivera, whose father died at 44 years old without life insurance

The Life Lessons Scholarship Program grew out of our desire to support students who are struggling financially when there wasn’t a life insurance safety net in place after the death of their parent.

Donate if you’re able: 100% of the proceeds goes directly to the students.

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About Life Happens

Life Happens’ mission as a nonprofit is to give you unbiased information to help you make smart insurance choices to protect your loved ones.

Annual Report

Learn more about our impact in our latest annual report.

Research

Adults (35 and under) who say they are healthy overestimate the cost of life insurance by 7-12 times.

See more from the 2025 Insurance Barometer Study.

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