One of the less known
life insurance policies
is the graded premium life insurance policy.
This is a whole life type policy that starts out with a lower than usual premium which increases every year for a certain number of years and then levels off and remains level for as long as you own the policy.
If a person desires to own permanent life insurance and is unable to afford the full premium initially then the graded premium life policy may be a fitting alternative. The graded premium life policy is sometimes referred to as graduated premium life insurance.
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Advantages Of Graded Premium Life
Disadvantages of Graded Premium Life Insurance
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Since term life insurance cost so little it could be the perfect policy for today. I believe that everyone needs some life insurance at some time during their lifetime.
The raging fires of the debate as to whether term life insurance is superior to permanent life insurance have cooled somewhat even though some so called experts hold fast to their beliefs.
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.