Personal lines insurance includes property and casualty insurance products that protect individuals from losses they couldn't afford to cover on their own. These types of insurance lines make it possible to do things like driving a car and own a home without risking financial ruin.

Commercial lines insurance includes property and casualty insurance products for businesses. Commercial lines Insurance helps keep the economy running smoothly by protecting businesses from potential losses they couldn’t afford to cover on their own, which allows businesses to operate when it might otherwise be too risky to do so.

Life insurance is a protection against financial loss that would result from the premature death of an insured. The named beneficiary receives the proceeds and is thereby safeguarded from the financial impact of the death of the insured. The death benefit is paid by a life insurer in consideration for premium payments made by the insured.

Health insurance is a type of insurance coverage that pays for medical and surgical expenses incurred by the insured. Health insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly. It is often included in employer benefit packages.

An equity-indexed insurance product is a hybrid between a fixed and variable offering. It is a fixed product by legal statute, but it has offerings inside of it that allow the contract holder to invest in stock market indices such as the S&P 500, Dow Jones, and Nasdaq 100. One of the main features of equity-indexed insurance products is their ability to guarantee a floor to your earnings with no loss once earned.