AD&D insurance covers the unintentional death or dismemberment of the insured, often added in conjunction with health or life insurance policies. Dismemberment includes the loss or loss of use of body parts or functions. It is a limited insurance policy and generally covers unlikely events.

Burial insurance is a form of whole life insurance with a small death benefit that beneficiaries can use for any purpose.

Group life insurance is offered by an employer or other entity to its workers/members. Group life offers a relatively low coverage amount and is offered as a piece of a larger employer or membership benefit package.

Mortgage life insurance is a term life policy designed specifically to repay mortgage debts and associated costs in the event of the death of the borrower.

Term life insurance guarantees payment of a stated death benefit if the covered person dies during a specified term. Once the term expires, the policyholder can renew the policy, convert the policy to permanent coverage, or allow the policy to lapse.

UL is a permanent life insurance that gives policyholders flexibility in premium payments, death benefits, and the savings element of their policies.

Variable life insurance is a permanent policy with an investment component. The policy has a cash-value account with money that is invested, typically in mutual funds.

Whole life insurance provides permanent death benefit coverage for the life of the insured. Whole life insurance also contains a savings component in which cash value may accumulate. Interest accrues at a fixed rate on a tax-deferred basis.