Secure your future with life insurance: Find peace of mind

Life can throw all sorts of curveballs, but no matter what comes your way, one thing is certain: your desire to protect the people you love. With life insurance, you can make sure that protection is in place.

Life insurance provides the financial security needed to ensure your family is taken care of, no matter what happens. It provides peace of mind, knowing your loved ones will have stability even in the face of unexpected loss.

When you choose the right life insurance, you’re making a sound decision that protects your family’s future.

Learn more about the peace of mind life insurance provides and how you can select the best policy for your and your family’s needs.

Life insurance by SBLI: Peace of mind for the insured

So, what exactly do you get when you sign up for a life insurance policy?

Once you purchase your policy, you gain full coverage that protects your family in the event of the unexpected. With life insurance, you can feel the relief of knowing you’ve taken the essential steps to secure your family’s future.

And let’s be honest—there’s nothing more empowering than living life with the confidence that you’re well-insured. Here are some of the ways a life insurance policy can benefit you and your family.

Reducing financial stress and anxiety

Financial worries can be a significant source of stress, especially when thinking about the future. Life insurance removes uncertainty by guaranteeing financial protection for your loved ones. Whether you’re concerned about covering debts, replacing lost income, or leaving a financial cushion for your family, the right policy ensures those worries don’t keep you up at night.

Knowing loved ones will be taken care of

One of the greatest comforts life insurance provides is the assurance that your family won’t be burdened financially if something happens to you. A well-structured policy ensures they have the resources to maintain their lifestyle, pay bills, and plan for the future without added hardship.

Enjoying life without worrying about the future

Having a financial safety net allows you to enjoy life more fully. Instead of stressing about what might happen down the road, you can focus on spending time with family, building memories, and pursuing your goals.

After all, part of the joys of having life insurance is living with confidence today.

Building cash value and its long-term benefits

For those who choose whole life insurance, the added benefit of cash value accumulation1 provides long-term security. As you pay premiums, a portion of the money goes toward building cash value that can be accessed later in life.

This can serve as a source of emergency funds or even a way to supplement expenses such as a down payment on a home or paying for college tuition.

Providing financial security for unexpected events

Life doesn’t always go as planned. Unexpected health issues, job loss, or economic downturns can create financial strain.

Having life insurance in place – outside of your employer-provided coverage – ensures that, no matter what challenges arise, your family has the financial support to stay secure and maintain stability.

Protecting your family’s financial future

Whether it’s term or whole life, a life insurance policy is a must-have financial safeguard for your family. It gives those closest to you the financial safety to cover household expenses, educational costs, or even mortgage payments if anything happens to you.

This way, you can rest easy every night knowing your loved ones are protected.

Peace of mind for beneficiaries

There’s no doubt that life insurance is a must-have for the insured, but the real benefits are felt by those left behind — the families and loved ones.

When your family loses you, finances should be the last thing on their minds. With a policy in place, your loved ones can benefit from the peace of mind life insurance provides as they go through the grieving process.

How life insurance helps families cover major expenses

A death benefit provides essential financial support to your loved ones when it’s needed most. If you were to pass away, your family could use the payout to cover critical expenses such as:

  • Paying the mortgage or rent to keep their home secure
  • Covering childcare, healthcare, or daily living costs
  • Paying off household debts to prevent financial strain
  • Funding a child’s education or college tuition
  • Preserving a family business by providing financial stability
  • Supplementing a spouse’s or partner’s retirement income
  • Creating an emergency fund for unexpected needs

Understanding the death benefit and its financial protection

A life insurance policy pays out a death benefit, and this benefit is a tax-free sum that beneficiaries can use in whatever way best supports their financial well-being. Unlike other assets that might take time to access, life insurance provides immediate funds to cover essential needs.

Different types of life insurance policies

Choosing the right life insurance starts with understanding your options. Each type of policy offers different benefits depending on your financial goals and coverage needs.

Term Life insurance and its benefits

Term life insurance provides coverage for a set period — 10, 15, 20, 25 or 30 years — making it an affordable choice for those looking for temporary financial protection. It’s ideal for covering financial responsibilities such as a mortgage, raising children, or paying off debts.

Simple Term Life insurance for fast, easy coverage

Simple term life insurance may make it easier than ever to get covered. With a streamlined application process and quick approval, it could be a great option for those who want affordable protection without a lengthy underwriting process.

Whole Life insurance and its long-term value

Unlike term life insurance, whole life insurance offers lifelong protection and builds cash value over time. It’s a strong choice for those looking for a policy that provides long-term security.

Choosing the right life insurance policy

Selecting the right life insurance policy is a personal decision, and the best choice depends on your financial goals, lifestyle, and long-term needs. The key is finding a policy that aligns with your priorities — whether that’s affordability, lifelong coverage, or flexibility.

Term vs. Whole Life insurance

There are two main types of life insurance. These are term and whole life.

Both can give your family the financial protection they need, but they offer different benefits.

  • Term Life Insurance: Provides coverage for a set period (typically 10, 15 20, 25 or 30 years). It’s an affordable way to protect your family during key financial milestones, such as paying off a mortgage or raising children.
  • Whole Life Insurance: Offers lifelong coverage and builds cash value over time. It’s ideal for those looking for permanent financial protection with added benefits like an emergency fund or legacy planning.

Factors to consider when selecting a policy

So, how do you know which one is the best for you? It comes down to your answers to these questions:

  • How long do you need coverage?: If you only need financial protection for a specific period, term life may be the best fit. If you want lifelong security, whole life is the better option.
  • Do you want to build cash value?: Whole life insurance acts as both coverage and a financial asset, allowing you to access accumulated cash if needed.
  • What’s your budget?: Term life insurance generally has lower premiums, making it a cost-effective solution for those who need high coverage at an affordable price.
  • What are your long-term financial goals?: If you’re looking for a policy that provides a financial safety net throughout your lifetime, whole life insurance offers long-term stability.

Working with a reliable insurance company

When it comes to life insurance, choosing the right provider is just as important as choosing the right policy. You want a company with financial strength, a strong track record, and a commitment to its policyholders. That’s exactly what SBLI has provided for over 115 years.

A legacy of strength and stability

Since 1907, SBLI has protected over a million families. We’ve built a strong foundation, and we continue to take a thoughtful approach to financial management to ensure we’re here for you today, tomorrow, and well into the future.

Mutual company advantage — your interests come first

As a mutual company, SBLI is owned by its policyholders — not shareholders. That means we aren’t affected by stock market volatility or pressured by investor demands. Instead, our focus remains on what matters most — providing dependable, long-term security for you and your loved ones.

Proven financial strength

We’ve earned strong financial ratings that reflect our commitment to policyholders:

  • A (Excellent) rating from AM Best, its second-highest rating category.2
  • A- (Strong) rating from Standard & Poor’s, its third-highest rating category.3
  • A+ rating and accreditation from the Better Business Bureau.4

These ratings reflect our ability to meet our financial commitments and provide long-term stability for policyholders.

Fast and dependable claims processing

When the time comes for a claim, we make the process as simple as possible. You can start your claim in less than 10 minutes right from our homepage or customer portal.

Once we receive all necessary documents, we process payouts within seven to ten business days.

Life insurance: The goal is peace of mind

Life insurance is a promise to your loved ones that they’ll be financially secure no matter what life throws your way. Whether you’re looking for temporary coverage or lifelong protection, having a plan in place allows you to live with confidence today and know your family will be protected in the future.

No matter your needs, SBLI makes life insurance simple. Get a quick quote for term life, explore Simple coverage by calling 800-424-1945, or speak with an agent about whole life. Find the right protection for you and your loved ones—on your terms.

Explore your life insurance options

SBLI Simple Term Life Insurance policy form series 20-P-SIT.
SBLI Term Life Insurance policy form series B-56.
SBLI Whole Life Insurance policy form series: 21-P-PWL & 21-P-PSPWL.

1 Withdrawals are subject to ordinary income tax and, if taken prior to age 59 ½, a 10% federal penalty.
2 See report from A.M. Best here.
3 See report from Standard & Poor’s here.
4 See www.bbb.org for more information.

25-4134