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Life Insurance Basics

Home / Insurance Resources / Insurance 101 / Life Insurance Basics

Life Insurance can provide peace of mind for those who want to plan ahead to meet future financial needs.

Life insurers provide products which protect against the financial risk of premature death, the possibility of outliving your assets in retirement, the loss of income due to a disability, and the high costs of long-term care.

The resources on this page can serve as an introduction to these basic insurance products.

We have also provided links to national organizations which can provide additional information on life insurance products as well as a variety of other insurance topics.

Additional Resources:

See our links to national trade associations here.

Information Resources:

  • Lost Policy Locator (NAIC)
    This is a link that can help consumers locate a lost life insurance policy.
  • The i’s on Insurance: Life Insurance (III)
    This video from III provides a look at some of the basics of life insurance.
  • What You Should Know About Buying Life Insurance (ACLI)
    This link takes you to a brochure which will get you started with the basics of buying the right life insurance product in the right amount for you.
  • The Individual Annuity: A Resource for Your Retirement (ACLI)
    This link takes you to a brochure which covers the basics of annuities which provide future income funded by current investments.
  • Disability Income Insurance: Financial Protection for You and Your Family (ACLI)
    This link leads to a brochure which describes products that can protect you in the event that an injury or illness prevents you from working for a long period of time.
  • Long-Term Care Insurance: Protection For Your Future (ACLI)
    This link leads to a brochure which describes products that can help you pay for nursing home or other long-term care should that become necessary.

 

Insurance Resources

  • Insurance Resources
  • When Natural Disasters Strike
  • Auto Resources
  • Business Resources
  • Homeowners Resources
  • Insurance 101

News

  • IIK’s 2023 Agenda Items
  • HB 170 Passed to Streamline Settlements for Minors
  • HB 380 Passed to Modernize KY Insurance Laws
  • IIK Supports Hands-free Cell Phone Use Legislation
  • IIK’s 2022 Agenda Items

Issues

  • Insurance and the Pandemic
  • Personal Injury Protection (PIP) Auto Insurance Coverage
  • Local Government Insurance Premium Taxes (Municipal Premium Taxes)
  • The Use of Credit-Scoring in Setting Premiums
  • Municipal Emergency Response Fees (Accident Taxes)

IIK AMICUS BRIEF PROGRAM

IIK accepts applications from members and non-members to file an amicus brief in cases which could have an impact on insurance law in Kentucky. Learn more about how to apply here.

INSURANCE 101

Insurance 101 contains information on the basics of insurance as well as a brief look at some key issues that affect insurance consumers. Just click here to take a quick tour.

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Insurance Institute of Kentucky

Our Issues

  • Insurance and the Pandemic
  • Personal Injury Protection (PIP) Auto Insurance Coverage
  • Local Government Insurance Premium Taxes (Municipal Premium Taxes)
  • The Use of Credit-Scoring in Setting Premiums
  • Municipal Emergency Response Fees (Accident Taxes)

About IIK

The Insurance Institute of Kentucky is a non-profit corporation dedicated to educating, supporting and assisting the Kentucky insurance consumer, market and industry. read more...

Contact Us

Insurance Institute of Kentucky
PO Box 54542
Lexington, KY 40555-4542
[email protected]

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