Because of it's low premium costs the 5 year term life insurance policy is one of the easiest
It maintains a guaranteed level premium for 5 years. With many companies, if you don't convert this policy, you will have no more insurance after the 5 year period has passed.
In other cases, however, the 5 year term insurance premium increases at the end of the first 5 years and may increase every 5 years thereafter.
This kind of life insurance policy is considered temporary life insurance. 5 year term life insurance is designed to fulfill temporary insurance needs.
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Uses Of The 5 Tear Term Life Policy
These riders are available and can be added to your 5 year term insurance policy at a minimal extra cost.
There are other available riders that can be added to this policy but they vary from company to company.
The 5 year life insurance policy can be bought as a rider
also. It is usually added to a permanent life insurance policy providing
additional life insurance for the insured.
Some companies offer 5 year term life insurance as a rider on the lives of a spouse or children.
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I recently did some research on the development of the 30 year term insurance policy over the years. What I learned was quite interesting.
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