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What Is Non-Life Insurance?

Put simply, non-life insurance is any type of insurance other than life insurance. While life insurance is broken down into permanent and term life policies, non-life insurance includes many types of other insurance policies. Non-life insurance may cover people, property or legal liabilities. 

Examples of Non-Life Insurance

Some common examples of non-life insurance include:

  • Auto insurance
  • Property insurance
  • Health insurance
  • Accident insurance
  • Travel insurance
  • Disaster insurance (fire, flood, earthquake, etc.)
  • Credit insurance
  • Mortgage insurance 

What About Life Insurance?

Life insurance is particularly important for people who have financial dependents, but can be beneficial for other people as well. 

There are two main types of life insurance: term life insurance and permanent life insurance.

Term Life Insurance

Term life insurance provides coverage for a specific amount of time and only pays the benefit if the insured dies during that specified term*. In many cases, term life insurance is less expensive than permanent life insurance.

Permanent Life Insurance

Permanent life insurance policies are in force for the insured individual's entire lifetime, as long as premiums are paid on time. Permanent policies also generate cash value over time.

Which Type of Insurance Should I Get?

Choosing which kind of insurance to buy is a personal decision that will vary from person to person. Many people will need several types of non-insurance, from car insurance and health insurance to homeowners insurance and disaster insurance.

According to Investopedia, the most important types of insurance to have are: 

  • Life insurance
  • Health insurance
  • Long-term disability coverage
  • Auto insurance

For a life insurance quote, contact a licensed agent today. They'll help you find policies in your area that meet you and your family's needs.

*Applications for insurance may be subject to acceptance by insurer. Rates and coverage amounts will depend upon the carrier selected.

Help protect your family’s future. Enter your zip code to get your free quote today!

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