Life Situations

Insurance questions rarely arrive on their own. They arrive attached to something else happening in your life — a move, a divorce, a first home, a teenager who just passed a driving test, a death in the family.

These guides are organized around those moments rather than around products, because that is how the questions actually come up.

What you'll find in this section

• Moving to another state. Coverage requirements, timelines, and what has to change before you cross the line.
• Divorce and separation. Policies, titles and beneficiaries often need to be handled separately.
• New drivers and new cars. When coverage has to start, and how to avoid an expensive gap.
• Difficult moments. What happens to a policy when the policyholder dies, and what a household needs to do.

A note on timing

Several of these situations have deadlines attached — days, not months. If you are in the middle of one of them right now, start with the guide that matches it and check the timing section first.