Life Insurance Resources

Tools by A2Z Term Life

Government Portals

  • HealthCare.gov – Your Insurance Company & Costs of Coverage – The Affordable Care Act includes features that promote transparency and hold insurers accountable for how they spend your premium dollars and rate increases. “Medical Loss Ratio” and “Rate Review” are two features of the health care law that are in place and making a difference for consumers.

  • Life Insurance Information For Consumers – The Life Insurance Resource Center is designed to help consumers make the right choice when purchasing life insurance or annuities. Many consumers spend substantial sums of money each year on life insurance premiums with very little idea of what they are getting for their money. Reluctant to probe into the technical jargon of the life industry and the mysterious world of death benefits, cash values, standard provisions and riders, most buyers don’t realize that there are major differences in the types of life insurance they can buy and the various sources for such coverage.

    (New York State’s Department of Financial Services)

  • Department Of Veterans Affairs – As part of The US Department Of Veterans Affairs’ mission to serve Servicemembers, Veterans, and their families, VA provides valuable life insurance benefits to give you the peace of mind that comes with knowing your family is protected. VA’s life insurance programs were developed to provide financial security for your family given the extraordinary risks involved in military service.

Non-Profit Portals

  • Insurance Information Institute – For more than 50 years, the I.I.I. has provided definitive insurance information. Today, they are recognized by the media, governments, regulatory organizations, universities and the public as a primary source of information, analysis and referral concerning insurance.

  • Life and Health Insurance Foundation for Education (LIFE) – The Life and Health Insurance Foundation for Education (LIFE) is a nonprofit organization dedicated to helping consumers make smart insurance decisions to safeguard their families’ financial futures. The main topics we address in our educational efforts are life, disability, long-term care and health insurance. Our goal is to help consumers better understand these products and where they fit within their overall financial plans. LIFE also seeks to remind people of the important role insurance professionals perform in helping families, businesses, and individuals find the insurance products that best fit their needs. LIFE does not endorse any product, company or insurance advisor. Our only interest is seeing that consumers get the coverage they need to protect themselves and their loved ones.

Tools

  • Term Life Insurance Calculator – Term life insurance calculators can to take your specific details and analyze them for you; inputting your current annual income, age, and your family’s potential financial needs, the calculations can be done quickly and easily for you, saving you the time and stress of calculating the figures on your own.

Veterans / Military Resources

  • Department Of Veterans Affairs – As part of The US Department Of Veterans Affairs’ mission to serve Servicemembers, Veterans, and their families, VA provides valuable life insurance benefits to give you the peace of mind that comes with knowing your family is protected. VA’s life insurance programs were developed to provide financial security for your family given the extraordinary risks involved in military service.

    Servicemembers’ Group Life Insurance (SGLI) is a low-cost group term life insurance program for Servicemembers. Coverage can be extended for up to two years if the Servicemember is totally disabled at separation.

    Veterans’ Group Life Insurance (VGLI) allows Veterans to convert your SGLI to a civilian program of lifetime renewable term coverage after separation from service.

    Family Servicemembers’ Group Life Insurance (FSGLI) insures spouses and children of Servicemembers with SGLI coverage. Spousal coverage may not exceed the Servicemember’s coverage. Dependent children are automatically covered at no charge.

    Servicemembers’ Group Life Insurance Traumatic Injury Protection (TSGLI) is an automatic feature of SGLI that provides payments to Servicemembers who suffer losses, such as amputations, blindness, and paraplegia, due to traumatic injuries that occur in service.

    Service-Disabled Veterans’ Life Insurance (S-DVI) provides life insurance coverage to Veterans who have been given a VA rating for a new service-connected disability in the last two years. Totally disabled Veterans are eligible for free coverage and have the opportunity to purchase additional life insurance.

    Veterans’ Mortgage Life Insurance (VMLI) provides mortgage life insurance protection to disabled Veterans who have been approved for a VA Specially Adapted Housing (SAH) grant.

Insurance Companies’ Resource Centers/Portals





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