Overview+

What is life insurance?

Life insurance can provide financial protection for your loved ones when you pass away and be an important part of your overall financial strategy. The Voya Life Companies offer all types of customizable policies with tax benefits to help you protect your financial future, provide for your loved ones and possibly even add to your retirement income. 

Why have life insurance

How to choose

The kind of life insurance you may want depends on where you are in life, how long you want the coverage, and whether you want to use life insurance to help build money (called cash value) inside of your policy tax-free. That’s money you could possibly borrow1 during your lifetime. Whether term or cash value life insurance, the right choice for you depends on your overall financial strategy.   

Compare Life Insurance Types

Why Voya?

The Voya Life Companies are highly rated by commercial rating agencies for financial strength and their ability to meet claims and guarantees. 

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Types of Life Insurance +

Types of Life Insurance

Learn about all the different kinds of life insurance and figure out which one may be right for you.  

Easy to understand and competitively priced, term life insurance provides financial protection for a specified number of years to make life easier for those who depend on you. 

Protect your financial future and potentially build money inside your policy, called cash value, with competitive interest rates. 

Indexed universal life insurance provides death benefit protection and the opportunity to build money inside your policy, called cash value, based in part on the increases of market indexes.  

Variable universal life provides the flexibility of universal life insurance with cash value growth potential using over 55 variable investment options from top financial firms. 

Survivorship life insurance insures the lives of two people and pays the death benefit when the second person dies. It can be a valuable part of your financial strategy, particularly if you have a large estate you want to help protect. 

Get Started +

Get Started

Is it your first time considering life insurance? Find out the basics here. 

More About Life Insurance +

More About Life Insurance

Explore topics related to Life Insurance. 

Life insurance products are issued by ReliaStar Life Insurance Company (Minneapolis, MN), ReliaStar Life Insurance Company of New York (Woodbury, NY) and Security Life of Denver Insurance Company (Denver, CO). Variable universal life insurance products are distributed by Voya America Equities, Inc. Within the state of New York, only ReliaStar Life Insurance Company of New York is admitted and its products issued. All are members of the Voya™ family of companies. 

All guarantees are based on the financial strength and claims paying ability of the issuing insurance company, who is solely responsible for all obligations under its policies. 

Policy loans and partial withdrawals may vary by state, may generate an income tax liability, reduce available surrender value and reduce the death benefit, or cause the policy to lapse.

1Income tax free distributions are usually achieved by withdrawing to the cost basis (usually premiums paid), then using policy loans. This assumes the policy qualifies as life insurance, is not a modified endowment contract, is not lapsed or surrendered with an outstanding loan. Individual tax results may vary. You should consult your attorney or other tax advisor.