Cash values are one of the attractive incentives to buying permanent
life insurance. Although the main reason you buy life insurance is to
provide a death benefit for loved ones there are policies that provide
cash that is available to you as long as you maintain them in force.
Term life insurance is the least expensive type of life insurance available. You put out more money in premiums for whole life, universal life, variable universal life and variable life insurance than you would for term insurance. These policies accumulate cash that you can put your hands on while you are still living. Term life insurance only pays when you die.
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Advantages Of Cash Value Life Insurance
Disadvantages Of Cash Value Insurance
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Term life 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.
Whole life insurance is the plan of choice for many people. There are many variations to this plan.
Universal life insurance was designed with the express intention of combatting the venerable whole life insurance policy.
Are you looking for quality term insurance quotes? Have you determined how much you need? Do you know what type of term insurance is best for you?
In many cases it is a good idea to buy term insurance online. Some people know just how much life insurance they want to buy before they get online.