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Think life insurance is nothing more than a ploy salesmen use to scam you out of your hard-earned money? Think again. It’s time to put aside the ugly stereotypes and find out why life insurance is an important part of planning for your future.

Life insurance is all about protecting your family. In fact, it’s one of the best ways you can make sure the people who rely on your income are financially secure even after you die. They can use life insurance to pay a number of expenses, such as funeral costs, debts, or even college tuition. If you have children, a spouse, aging parents, or anyone else who counts on you to pay their living expenses, you need to think about how they’ll get by when you’re gone.

With so many life insurance policies to choose from, it’s important to understand the options so you can decide which one is right for you. Get the facts—research the types of plans available to you and talk to financial experts who can help make sense of any complicated details. Learning the ins and outs of all the different life insurance options is a big challenge. From term and permanent policies to whole or universal insurance, each type has its own unique benefits and quirks. Ask plenty of questions so you get the life insurance coverage you need.

Take Health IQ’s Life Insurance and Family History quiz to find out how much you know—and still need to find out—about why life insurance is important and how it can help you. And check out Health IQ’s life insurance page to learn more about their special rate life insurance for health-minded people.

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