What life insurance is: a policy that pays out if you die. When you need it:if your death would cause financial hardship to someone, like a spouse. How it's priced:based on life expectancy. Any factor ...

Discover why financial advisors offer life insurance as part of financial planning, benefiting clients by integrating insurance and wealth protection strategies.

Editorial Note: Forbes Advisor may earn a commission on sales made from partner links on this page, but that doesn't affect our editors' opinions or evaluations. Despite being life’s most permanent ...