Thứ Ba, 31 tháng 3, 2009

Research Term Life Insurance Online

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Researching term life insurance online should be a comfortable experience. You want to take your time and absorb all the available information. Doing a search for term life insurance online will result in an educated decision as to type of term life and how much you should buy. Here on this site you will find all the information you need.


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Most people who purchase life insurance choose term life as these policies are easy to understand and are really cheap life insurance policies. When compared to whole life insurance or the even more complex universal life insurance , variable universal life insurance or variable life insurance you will notice a vast difference in premium.

If you know up front the type of term policy you want getting a quote online is a breeze. All you need to do is answer a few questions and we will provide quotes from the finest life insurance companies in the industry. You can confirm this with The A. M. Best Company. One of their primary functions is to rate the life insurance companies according to performance.

If you have very little knowledge regarding life insurance read the following descriptions before requesting your term life insurance online quotation. Each link will open in a new window.


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Thứ Bảy, 28 tháng 3, 2009

Should You Begin Insurance Buying Process By Getting Online Insurance Quotes?

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Getting online insurance quotes is the easy part. You can follow through by purchasing your life insurance policy. Almost all life insurance companies will give you a quote online but only a few will qualify you and actually sell you the policy online. Life insurance rates are being constantly lowered...even those of the whole life policy. For those interested in buying life insurance now may be a good time to request online insurance quotes.


Can you think of anything more important than your Family's Security? What would happen to Your Family if you died? Would they be provided for?
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May be you want to see how some of these insurance policies work:

Term Life Insurance Policies

Term life insurance policies have become quite popular in recent years mainly because of their low premiums. The life insurance companies have also paid attention to what buyers want and as a result have lowered premiums considerably. They have created new term insurance plans and made the existing ones better. Here are descriptions of some of the better known term policies. You should get online insurance quotes on the ones you like.

  • Decreasing Term Insurance

    People just love this policy. Sometimes it is sold as a rider to another policy. It is mainly used to pay off the balance owed on a mortgage in the event of the homeowners death but it can be used for other needs. If you own a house or just bought a house you should definitely request online insurance quotes for decreasing term insurance. You can buy this policy for varying periods of time for example, 20 years or 30 years. The premiums are guaranteed level for the duration and are very inexpensive. The face amount decreases every year in a uniformed manner, thus the easy application of decreasing term insurance as mortgage life insurance.

  • Yearly Renewable Term Insurance

    The yearly renewable term policy is sometimes referred to as the increasing premium term policy. The premiums are very cheap for the initial years but because the premiums are always on the rise this could eventually turn out to be quite expensive insurance. Your online insurance quotes will clearly illustrate that to you. The guaranteed death benefit is level and remains so for as long as you keep this policy. It is good for short term needs like covering an outstanding short term loan balance.

  • The 5 Year Level Term Policy

    This policy has a guaranteed level death benefit for 5 years and also a guaranteed level premium for the duration. This is also used for short term needs. This need could be covering an outstanding loan or possibly the guarantee of the availability of cash for a college education. I like this policy for very short term needs. Ask for online insurance quotes on this one and pay special attention to the low premiums.

  • The 10 Year Level Term Policy

    You should also check this one out as many loans run for a 10 year period and this could be used to guarantee the repayment. The death benefit is guaranteed level 10 years and so are the premiums. You should also get online insurance quotes for the 10 year term policy as this is also a very well liked policy and may fit your needs..

  • The 20 Year Level Term Insurance Policy

    I recommend the 20 year term policy more than any other term policy because the 20 year duration allows for much versatility. Don't hesitate to get online insurance quotes and see how it will fit into many situations. Although mortgage balances are always decreasing the 20 year term policy can be used to cover your balance owed. If many years pass and when you die the death benefit of the policy is more than the debt the difference will go to your beneficiary. You can use this policy in a family situation as well, if you are the breadwinner, to provide a lump sum or income upon your death. Business people use it to fund buy-sell agreements or even for key employee insurance. The death benefit is level and guaranteed. The premium is also level and guaranteed.

  • The 30 Year Level Term Policy
This policy can be used in a similar manner as the 20 year term policy. The death benefit is guaranteed level for the entire thirty year period and so is the premium. Ask for online insurance quotes for the 30 year term policy.

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  • Whole Life Insurance Policies

    Whole life insurance policies can be used to do anything the above policies can do and considerably more. The face amount, or death benefit is guaranteed level for a lifetime. That is for as long as you live. It does not matter how you die as long as it is not by suicide. The premiums are also level for as long as you live. The can never increase. Let me repeat it can do anything you can do with your term policy. When you get your online insurance quotes you will notice that the premiums are considerably higher than the term insurance policies.

  • Cash Values And Dividends

    Whole life insurance policies have guaranteed cash values and if the life insurance company performs well you would likely participate in the divisible surplus earned by the company. These are called dividends and are added to your cash value. If you should need to take a loan on your policy or for some reason should surrender this policy the amount available is based on the cash value plus the accumulated dividend up to that moment in time. Dividends are not guaranteed. There are many ways your dividend can be applied to your policy. Upon receipt of your online insurance quotes you should ask the company for an explanation of your dividend options.


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Thứ Tư, 25 tháng 3, 2009

Low Cost Term Life - Whole Life - Universal Life Insurance

Life Insurance - One Stop Shopping

Satisfaction Assured - Totally Risk Free

Take a moment to think about how little life insurance coverage really costs. Most term policies require a premium of less than $1 for every $100 of coverage. For permanent policies you put out more but the cash values and dividends earned over the years are usually sufficient to offset the additional premium outlay.

Regardless of which way you choose to go you end up with a good deal for your dollar. You protect your family at a very low cost. Keep in mind that dividends applied to permanent policies are not guaranteed. Whichever life insurance type you select you will find suitable policies for the protection of your family here. You can also get your policies here for your business needs.

We offer, without question, the finest no medical term life policies on the Internet. You don't need a medical exam to get these policies, however, there is a $500,000 maximum.

We also offer a wide range of the least costly term policies anywhere. They are definitely the least expensive available on or off the Internet. Here you have the unique opportunity to choose from the finest carriers in the industry regardless of which type you want to purchase. There is no limit to the amount.

Choose A Carrier

The links immediately below as well as those at the beginning of the page will take you to one or more of the above-mentioned sites where you can choose which Carrier you want to do business with. We have selected the finest quality companies in the business which represent the Most Reputable Carriers in the Insurance Industry. With these Companies you not only get the policies you desire but you have the unique opportunity of building lasting business relationships with them, if you so desire. To put it simply, you can always return to get additional information about your insurance at any time in the future.

If you want details on each type of life policy click on the links below then return here.
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Low Cost Term Life - Whole Life - Universal Life Insurance

Life Insurance - One Stop Shopping

Satisfaction Assured - Totally Risk Free

Take a moment to think about how little life coverage really costs. Most term policies require a premium of less than $1 for every $100 of coverage. For permanent policies you put out more but the cash values and dividends earned over the years are usually sufficient to offset the additional premium outlay.

Regardless of which way you choose to go you end up with a good deal for your dollar. You protect your family at a very low cost. Keep in mind that dividends applied to permanent policies are not guaranteed. Whichever insurance type you select you will find suitable policies for the protection of your family here. You can also get your policies here for your business needs.

We offer, without question, the finest no medical term life policies on the Internet. You don't need a medical exam to get these policies, however, there is a $500,000 maximum.

We also offer a wide range of the least costly term policies anywhere. They are definitely the least expensive available on or off the Internet. Here you have the unique opportunity to choose from the finest carriers in the industry regardless of which type you want to purchase. There is no limit to the amount.

Choose A Carrier

The links immediately below as well as those at the beginning of the page will take you to one or more of the above-mentioned sites where you can choose which Carrier you want to do business with. We have selected the finest quality companies in the business which represent the Most Reputable Carriers in the Insurance Industry. With these Companies you not only get the policies you desire but you have the unique opportunity of building lasting business relationships with them, if you so desire. To put it simply, you can always return to get additional information about your insurance at any time in the future.

If you want details on each type of life policy click on the links below then return here.
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Determine Your Life Insurance Needs - Why You Need Life Insurance And How Much You Need

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At some time everyone must take the time to determine their life insurance needs. These needs vary depending on the individual. Some people need life insurance for family protection which in many respects cover a myriad of ideas. Business people also have life insurance needs that must be taken care of. Let us take a few minutes to examine some of the reasons some people need life insurance.


Want to protect your family with life insurance? Find out how much you need and also examine Quotes From Carriers Rated A+ or better. Click Here For More...

  • Family Protection

    Everyone knows that if you have a family you must at some point consider buying some life insurance. There is an old saying in this business that "no man has a right to accustom a woman to a certain standard of living unless he intends that she continue to enjoy it when he is no longer alive and able to provide this standard of living". The person who made this phrase popular did so at a time when not many women were out working at a job. In today's world, however, most women work.

    The life insurance needs as they pertain to family protection have changed a bit. We not only need to put life insurance on the life of the husband and father but we also should put a policy on the life of the wife. If either should die the income that the deceased parent earned has ceased. Life insurance can replace the income thus making life easier for the surviving parent and children.

    What kind of need for life insurance would each parent have? That depends on the thinking of the particular family. Do they want to provide an income until the youngest child is age 18 or do they want to provide this income until the last child graduates college? After that do they want to provide a life income for the surviving spouse?

    What about a fund to pay college expenses? Is that important to this family? We must also consider final expenses. This includes funeral expenses, attorneys fees, court costs, probate fees and any outstanding bills.

    Now you want to know how much life insurance you should buy to cover your life insurance needs. As a rule of thumb you will need a policy for between 5 and 10 times your annual income, plus about $10,000 for funeral expenses. Attorneys fees, court costs etc will depend on the size of the estate. Don't forget that you may need to pay Federal Estate Taxes. This depends on the size of the estate.

  • Business Continuation

    The untimely death of a business owner can be devastating to his or her family. If the business is a partnership or a corporation one owners death can leave the surviving partners or shareholders in a pickle. Take a look at the business life insurance page for information on the life insurance needs of the parties involved.

  • Policies Applied To Need

    It would probably be fitting here to discuss which policy is best applied to which need. It is usually appropriate to use a 10 year term policy , a 15 year term policy , a 20 year term policy , a 25 year term policy or a 30 year term policy for family protection needs...

    You should determine how long you want to keep your policy and apply the appropriate term policy. Let us say your youngest child is age 4 and you figure you want to buy coverage that would be in force until s/he is age 25. You would buy a 20 or 25 year term policy for that purpose. If you want to assure yourself that your spouse will get the proceeds even after the children are no longer dependent then you would buy a 30 year term or a universal life policy , depending on your age and your spouses age.

    If your life insurance needs are limited to final expenses then you can apply any term policy, in an appropriate amount, to these needs. You just have to decide how long you figure you will need the policy.

    As far as business people are concerned the policy will depend on how long you plan ahead. If your long term projections are for 10 years then a 10 year term policy will do for your buy sell agreement. If your projection are for 20 years then use a 20 year term. If you intend to be around a long time and desire to pass on the business to your children then it may be wise to use a universal life policy or a whole life policy.

    If your life insurance need is for a key employee policy you would use a term policy. You could use a whole life or universal life policy if you want t give the cash value to this valued employee at retirement.

    When you sit down to figure your life insurance needs keep in mind that life insurance proceeds are usually free from Federal Income Tax unless they are part of an estate...if you include the policy in your will.

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Term Life Insurance Information You Should Want

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Want to know more about term life insurance?


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Term insurance is life insurance in it's simplest form. These policies stay in force for a specific number of years, for example, 5 years 10 years etc. At the end of these periods of time that is the end of the policy. If you had died within the 5 year period, for example, your beneficiary would have received the full face value of the policy. If you should die after the 5 years have expired then there is nothing payable to your beneficiary. Most life insurance companies include a clause in the policy which allows you to convert your term policy to a permanent policy within a specific period of time. The company may say, for example, that you must convert within 4 years.

The reason that you will find this clause particularly attractive is that somewhere along the line you may find that you have developed some type of ailment that would prevent you from purchasing additional life insurance . If you have a term life insurance policy which includes a conversion privilege and your policy is still within the period allowed you may convert it to a permanent policy , even though you may not be able to qualify under normal conditions.

Let us take a look at some of the term life insurance policies available and how they would work for you as well as some of the more popular riders.


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  • Yearly Renewable Term

    One of the least costly life insurance policies is the yearly renewable term policy. The interesting thing about this policy is that even though it may start out that way, being the least expensive, it can eventually become quite expensive...that is if you keep it long enough.

    The premium starts out very low, as stated before, but it increases each year. You may say that it shouldn't but if you think about it this is insurance in close to it's purest form. Each year the cost of life insurance increases simply because you are older. As you get older you are more likely to develop some ailment that could end up causing your death. What the life insurance company is doing here is charging you a premium based on your attained age.

    You can therefore see that the cost of your yearly renewable term life insurance policy can eventually become prohibitive. The death benefit remains level throughout the life of the policy.

    This policy would be purchased if you have a fairly short term need for life insurance.

  • Decreasing Term

    One of the most bought life insurance policies is the decreasing term life insurance policy. One reason it is so well liked is that people use this policy for mortgage protection. I believe it was designed with this in mind.

    When most people buy a house they have a mortgage. They put down a small portion of the cost of the house and borrow the balance from a bank or mortgage company. If this person should die before this money is paid off the survivors will have to pay the bank or mortgage company.

    One way to eliminate this problem is to buy a decreasing term life insurance policy in the amount owed. Whenever the homeowner dies the balance owed is paid off.

    The face amount of the decreasing term life insurance policy decreases, usually, with the amount owed on the mortgage. The premium remains level throughout.

  • 5 Year Term

    5 year term insurance was designed for a person who has a short term need for life insurance or for one who, even though s/he has a long term need, cannot afford to buy the longer term life insurance policies at that time. They usually have the option of converting their policy to a permanent policy within a specified period of time.

    Unlike the yearly renewable term, which is usually bought for similar reasons, the premiums remain level for the duration. The death Benefit also remains level throughout.

  • 10 Year Term

    Another well liked policy is the 10 year term insurance policy. Although the reasons are similar to some extent to those for buying the 5 year term policy sometimes this policy fits very well into a family protection situation. Let us suppose you have teenagers and you just desire to see them through the high school and college years. Let us say the youngest is age 15 and you expect that s/he will graduate before age 25. The 10 year term policy may fit that need.

    If you have a spouse that you need to protect, however, 10 years may be too short a period of time. You may need to look to a longer term policy.

    The death benefit remains level for the entire 10 years and so does the premium.

  • 15 Year Term

    The longer the period you are allowed to keep a term policy the more costly it is. The 15 year term insurance policy would therefore have a premium that is a bit higher than that of those previously discussed. For some people the 15 year term life insurance policy fits their needs perfectly. You can figure that, for example, if your youngest child is age 10 and you think that this particular child will graduate college before age 25 then you need life insurance coverage for 15 years. I am, of course, assuming that you have other life insurance to protect your spouse in the event of you death.

    The same type of conversion privilege applies similar to the 5 or 10 year term. The privilege may be limited to 12 years for example. This is a level premium policy and the death benefit is level as well.

  • 20 Year Term

    One of the most loved and, as a result, most purchased life insurance policies is the 20 year level term insurance policy. When the average person thinks of life insurance for family protection the 20 year term life insurance policy is usually the one that comes to mind. You just got married or intend doing so in the near future you will likely buy a 20 year term policy. If you are already married and have very young children you could use a 20 year term life insurance policy.

    Business people have a tendency to think of this one as well. They need life insurance to fund buy sell agreements in the event of the death of a partner or shareholder. Life insurance is the least costly way to go and the 20 year policy is usually a good fit. They also need life insurance for key man insurance or key employee life insurance .

    This policy has a guaranteed level death benefit and a guaranteed level premium as well.

  • 25 Year Term

    The same people that use the 20 year term policy would also use the 25 year term. They just figure that an extra 5 years of life insurance coverage won't hurt. In fact, they feel safer with the additional 5 years.

    The policy has a level premium as well as a level death benefit.

  • 30 Year Term

    Some people buy life insurance a little later in life, let us say in their late thirties or in their forties. May be they want to protect a spouse if they should die prematurely or they want to provide a fund that would pay for the college costs of a grandchild. A 30 year term policy could be a good fit. Even though the premiums are a little more costly than the 20 year or the 25 year term policies they don't mind because people at this age are usually able to afford a little more than a person in their twenties.

    The 30 year term life insurance policy has a level death benefit as well as level premiums. Some companies may begin the policy with a little lower premium, let it stay level for 5 or 10 years then increase it. Some policies have an increased cost every 10 years.

  • Term Insurance To Age 65, Age 80 Or Age 90

    Sometimes we forget that people in their latter years may have a need for life insurance. Some life insurance companies have created policies that would fit their needs. Some have level premiums but, more often than not, these policies have premiums that increase as you get older. The increase may take place every 5 years or every 10 years. The death benefits usually remain level.

  • Waiver Of Premium

    The waiver of premium clause comes in the form of a rider that can be added to most any life insurance policy. You have the option of adding it to any of the term life insurance policies described above for a very minimal fee. It simply states that if you should become disabled the life insurance company will keep your policy in force. They will waive the premiums.

    Whenever you return to your job you continue your payments, not owing the company anything for the premiums missed. You must, however, be disabled for a minimum period of time...in most cases 6 months.

  • Accidental Death Benefit

    The accidental death benefit rider can also be added to your term life insurance policies for a small fee. If you die in an accident the life insurance company will pay an additional amount equal to the face amount of the policy for each unit purchased.

    Let us suppose you bought one unit of the accidental death benefit for every $1000 of your base policy. Let us also suppose that your base policy is for $1,000,000. Upon your accidental death the life insurance company will pay $2,000,000 to your beneficiary. Some companies allow you to purchase more that one unit per $1000. If, for example, you bought 2 units of accidental death benefit your family would be paid $3,000,000 upon your accidental death.


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Why Buy Return Of Premium Life Insurance?

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The return of premium life insurance policy is a term life policy that guarantees that at the end of the term period you will get back all of the money that you have paid in premiums. Let us suppose you acquire a 20 year return of premium life insurance policy. You maintain a level death benefit and you pay a level premium for the 20 year period. The amount of premium is more than you would pay for a regular level 20 year term policy.


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It seems to me that the life insurance industry is going around in circles. If my memory serves me correctly the premiums for some modified whole life policies and some non participating whole life policies were just a little more than that of a 20 year term policy in some of the better life insurance companies. It was argued then that the extra premium that would allow you to get back all you have paid in premiums was not worth it. Only term life insurance made sense.

Who is kidding whom. All the return of premium life insurance policy is is a not too low cost policy that will return your money in a guaranteed period. If you doubt this statement suggest to the actuaries that they create a return of premium life insurance policy which will last to age 100 and see how much different that is to the old non par term policies or modified life insurance policies...

Some insurance companies pushed the term policies about 20 years ago to get themselves into the inner circle of the huge life insurance companies. It worked pretty well but now they want to get back into the cash value insurance game. They lock in the cash value until the end of the term period with the return of premium life insurance policies. This is a very clever move which will force the policy owner to keep the policy until the end of the term period in order to get back his or her money. Since term life insurance has always had a terrible retention rate this certainly should help.

I am a straight up kind of person and tell it like it is. Plain term life insurance is good life insurance. I am not too excited about return of premium life insurance. Buy a 5 year term, a 10 year term, a 20 year term or a 30 year term policy if term life insurance is your thing, and invest the difference in a mutual fund. If you want a return of premium pay the extra and buy a universal life insurance policy, a variable universal life insurance policy or even a whole life policy. You can still get a fairly inexpensive modified whole life policy. Why buy return of premium life insurance?

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Product Catalog - Whole Life Insurance Quotes Online

Whole Life Insurance Product Catalog and Online Quotes Request Get Instant Whole Life Insurance Quotes Online From Us

Security. It is something everyone wants for their family - now and forever. In the event that you are unable to continue caring for your family, Whole Life insurance helps ensure that your loved ones will remain financially secure.

Practical protection and peace of mind -- that's the beauty of Whole Life insurance from us. Find out more about our affordable and flexible products and request your Whole Life insurance quotes online today.

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What is Whole Life insurance?

Whole Life insurance -- also known as permanent life insurance - does just what the name implies -- it provides a lifetime of financial protection for your family. Unlike Term Life insurance, Whole Life is a lifelong policy. You remain covered as long as the premiums are paid. An additional benefit of Whole Life insurance is that can build cash value over time. We make it easy to request Whole Life insurance quotes online.

Why do I need Whole Life insurance?

Whole Life insurance can protect your family financially in the case of your death. Whole life insurance coverage can help your survivors maintain their standard of living, pay their mortgage, finance college, build a nest egg, etc. With Whole Life insurance you don't have to worry about renewing or converting your policy -- it is always there for you, so long as you continue to pay the premiums when due. Whole life insurance also features cash value that builds over time, tax-deferred. This value may be borrowed against for a variety of purposes.

Whole Life Insurance Online Product Catalog

We understand that choosing the right Whole Life insurance product can be overwhelming. That is why we have simplified the shopping process by offering a variety of Whole Life insurance products designed for value-conscious consumers from all walks of life. To learn more, browse through our Whole Life insurance online product catalog below. Already know what product you want? Call a Sales Advisor or request Whole Life insurance quote online. Just answer a few questions and in as little as three easy steps you'll be on your way to helping secure you and your family's financial future.
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Senior Life Insurance - Life Insurance for Elders

No one wants to be a burden to their spouse and children — in life or even in death. This is the main reason why seniors often take a second look at life insurance.

Most seniors already have life insurance of some kind, but the death benefit often is too small to take care of funeral expenses and medical bills. In most states, a life insurance death benefit is exempt from creditors. It is also exempt from inheritance taxes. This makes it an excellent vehicle to transfer wealth to survivors.

Seniors often assume that they will not qualify for life insurance, but many states have laws requiring insurance companies to provide coverage to seniors. Since the senior population is growing fast, many insurance companies have found it profitable to offer life insurance to seniors.

Guaranteed Acceptance Life Insurance.

The best premium rates are offered to seniors who pass a health exam, but many companies offer insurance with no exam required. Typically these policies, known as Guaranteed Acceptance Life Insurance (usually a type of whole life insurance or universal life insurance) will pay a full death benefit in the case of accidental death as soon as the policy goes into effect. However, the policy will pay a limited death benefit if the policyholder dies of natural causes during the first two years of the policy. The insurance companies place these limits on the policies to avoid writing “deathbed” policies. The limited death benefit normally consists of the premiums paid plus interest. Once the two-year waiting period is over, the policy holder is fully insured.

Term Life Insurance for Seniors.

Many seniors, especially those on fixed incomes, do not look at life insurance as an investment opportunity. They are more interested in easing the burden of their death on their survivors. In these cases, term life insurance may be the best option.

Whole Life Insurance for Seniors.

Thanks to improvements in diet and healthcare, seniors are living longer than ever. As a result, there is a risk of outliving your term life insurance policy. Whole life insurance will cover you for your whole life, no matter how long that may be. The premium is fixed for the life of the policy. It cannot go up. The policy will build cash value. You can borrow that money or passed it on tax-free to your heirs. Whole life premiums can be much higher than term life premiums.

Single-pay Insurance.

If you have accumulated considerable wealth and are not planning to use it for living expenses, you might consider a single-pay insurance policy. This will allow you to “leverage” your money for your heirs. A $100,000 policy paid for with a single premium can double or triple in value overnight, and the death benefit can be structured to be paid tax-free.

As with any insurance, your goals should dictate the kind of insurance you buy. Consult with an insurance professional before deciding which option is right for you.

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