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You pay premiums, and in exchange, the insurer pays a sum of money to your designated beneficiaries when you die.","category":"general","question":"What is life insurance?"},{"answer":"The ‍amount ‍of ‍life ​insurance ​you ‍need ‍depends ‍on ‍various ‍factors, ‍including ​your ‍income, ​debts, ​and ​lifestyle. ​A ‍general ​rule ‍of ‍thumb ‍is ​to ‍have ‍coverage ‍that ​is ​at ​least ​10 ​times ​your ​annual ‍income. ​It’s ‍also ‍important ​to ‍remember ‍that ​as ‍you ​age, ​this ‍amount ​can ​evolve. ​Read ‍more ‍about ‍calculating ​life ​insurance ‍coverage ‍here ‍or ‍use ‍our ‍online ​life ‍insurance ​needs ​calculator.","category":"pricing","question":"How much life insurance do I need?"},{"answer":"There are two main types of life insurance: term life insurance and permanent life (whole life) insurance. 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