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When it comes to getting life insurance coverage, you have the option of either purchasing a policy on your own or being added to a workplace group policy. If you aren’t offered life insurance through your job, however, applying for a personal policy is your only option for coverage.

Taking out a personal loan used to mean walking into your local bank, sitting down with a bank representative, and asking to borrow money. These days, few of us ever even step into a bank, though. In fact, with the introduction of online banking, some of us might not even have a local bank branch to walk into.

On average, about 1 in every 3 American adults will be diagnosed with some form of cancer in their lifetime. These odds make it easy to see that cancer will likely affect you, or at least someone you know, as the years go on.

If you’re applying for life insurance coverage, you may be asked to submit a paramedical exam. This exam, which is provided at no charge to you, usually takes less than an hour of your time. While it is a fairly simple process, the results of your life insurance exam can impact your policy significantly.

Chances are that your kitchen is one of the central hubs in your home. It’s probably where you set your keys down after a long day, where your family gathers together for meals, and maybe even where your kids spend time doing their homework each afternoon.

There are many decisions to make while buying life insurance coverage. What kind of policy you need, how much coverage to buy, and how long coverage needs to last are generally at the top of that list. Depending on the policy and carrier you choose, though, you may also be able to add additional coverage options, called riders. These riders can help protect your loved ones (and even you!) beyond the policy’s death benefit, and may even be included free-of-charge or at a low cost.

What does your personal financial journey look like? You probably have some short-term goals, like paying off credit card or student loan debt, or building an emergency fund. Then there are probably some long-term goals, too, like saving for retirement or your kids’ education.

Life insurance is one of those products that you buy, while simultaneously hoping to never use. If the worst were to happen, though, you would want that coverage to support your loved ones in your absence.