Open main menu Open login menu Agent Center For Individuals. Life Insurance HOW IT WORKS Allows your loved ones to remain financially secure if you die. Why do you need life insurance? If someone depends on you financially, life insurance is an important topic you shouldn't ignore. It can do more than replace a lost income – it can pay for final expenses, a mortgage, your child’s education and more. For the people who depend on you You’ve worked hard to build a good life for your family—life insurance helps your loved ones continue that lifestyle in the future. For the future If you’re on your own for now, consider life insurance if you’re supporting aging parents, don’t want to pass debt to family members, or to get the best price while you're young and healthy. How much life insurance do you need? There’s no one-size-fits-all solution when it comes to life insurance, but a good rule of thumb is to start with seven to ten times your individual annual income. Other factors to consider Your coverage amount will depend on the need you are trying to meet, but these are some general factors: Your immediate needs (income replacement, final expenses) Your ongoing expenses (mortgage, utilities, childcare, credit card debt) Your future expenses (education, retirement) Any existing insurance (individually owned or through work) Other expenses your family is expected to face What would your family need? Can’t afford to buy seven to ten times your annual income? Don’t sweat it. The important thing is that you start with something. Just because you can’t afford to buy your dream home doesn’t mean you’d choose to go homeless. So, start a foundation of life insurance with what you can afford, and make a plan to get what you need in the future. What kind of life insurance is best for you? We offer a range of life insurance products. An agent can help you make it easy to understand your options and choose the policy that's best for you and your family. Term Life Simple and affordable coverage that lasts for a specified amount of time. Whole Life Permanent and dependable coverage that builds cash value over time. Universal Life Permanent coverage providing flexibility with more moving parts. Guaranteed death benefit Lifetime coverage Lower cost per month Stable premiums Access to cash value Living benefits Other advantages Option to convert to permanent life insurance May pay annual dividends Available as a “single premium” plan Insurance solutions that fit your needs Felix, 35 Married with first baby Professor earning $50,000/year My wife and I know we need a plan to take care of our daughter, no matter what.” Life Insurance 20-Year Term Life Policy $500,000 death benefit About $37 a month1 Carl, 49 Married with kids who are about to start college Independent contractor earning about $70,000/year Business is picking up and I’m glad it’s easy to get the coverage I need.” Life Insurance Whole Life Policy $50,000 death benefit + $50,000 accidental death benefit About $120 month2 Already have Assurity Life Insurance? Make a payment File a claim Designate beneficiary Visit the customer center for more options Assurity also offers life insurance benefits at your work. Your employer may offer Assurity Life Insurance options as part of the benefits you purchase at work. The way it works is similar, but the policy details will be specific to your organization. GET BENEFITS AT WORK Why Assurity Life Insurance? Mutual strength For over 130 years, our financial strength has helped people support one another through difficult times. A force for good As a Certified B Corporation, we work toward positive impacts for employees, communities, and the environment. Personal service Get the customer service you need from real, responsive, and efficient people in our Lincoln, Nebraska headquarters. Learn more about how Assurity works for you NOT AVAILABLE IN NEW YORK. These products may contain reductions of benefits, limitations and exclusions. For costs and complete details of the coverage, please contact your insurance representative or Assurity to review the policy for more information. Important Disclosure Information About Us About Us Our Products Life Insurance Talk to Us Contact Us Customer Center Agent Center Join our team © 2021 Assurity Group, Inc Privacy & Consumer Notices | Accessibility Statement