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Life Insurance Basics

Home / Insurance Resources / Life Insurance Basics

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

Information Resources:

  • What You Should Know About Buying Life Insurance (ACLI)
    This link takes you to a brochure that will get you started with the basics of buying the right life insurance product in the right amount for you.
  • Lost Policy Locator (NAIC)
    This is a link that can help consumers locate a lost life insurance policy.
  • Paid Family Leave (ACLI)
    This link takes you to a white paper about private-sector paid family leave.
  • Annuity Awareness (ACLI)
    This link provides access to several resources to help you understand annuities.
  • Disability Income Insurance: Financial Protection for You and Your Family (ACLI)
    This link leads to a brochure that describes products that can protect you if an injury or illness prevents you from working for a long time.
  • Long-Term Care Insurance: Protection For Your Future (ACLI)
    This link leads to a brochure that 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
  • Property & Casualty Insurance
  • Homeowners Resources
  • Auto Insurance Resources
  • Business Resources
  • Life Insurance Basics
  • Insurance Organizations

News

  • IIK 2025 Session Legislative Victories
  • Insurance Bills of Interest Passed in 2025
  • IIK Makes Its Voice Heard in the 2024 Legislative Session
  • Public Adjuster Regulation Legislation Passed
  • Report Card on 2023 Agenda Bills and Other Legislation

Issues

  • 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)
  • Insurance and the Pandemic

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.

Contact Us

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

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Our Issues

  • 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)
  • Insurance and the Pandemic

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