Permanent term life insurance. What a ridiculous idea...there is no such thing. Term life insurance is temporary life insurance and whole life and all cash value policies are permanent life insurance policies. I would have thought that way a few years ago but with such rapid and innovative product development in the life insurance business the phrase "permanent term life insurance" may not be so outlandish after all.
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The cash value of a life insurance policy is the thing that the industry used to differentiate permanent from term policies. Today we even have return of premium term policies...they sound kind of like permanent term life insurance. These policies return the premium paid at the end of the term period. Some people may say why don't the insurance companies develop a return of premium policy that would last until age 80, age 90 or age 100...that would truly be permanent term life insurance. May be they will develop such a policy...but I think the premiums would have to be too high and it would therefore be unattractive to the consumer.
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No Medical Exam Life Insurance. What is going on here? Is this new? The way people act one would think that this is an entirely new idea.
Consider online life insurance. Buying life insurance online can be quite a simple process especially if you know how much you want and what type.
There are many pages on this website on term insurance details and how it works. What I want to do on this page is give you a basic and general outline of this policy.
You may find it a valuable experience as well as enlightening if you took some time to get a term life insurance quote on your favorite term policy.
Key employee life insurance is really a necessity.