Straight life insurance was one of the favorite and most bought
life insurance policies.
Everyone wanted a straight life policy. What is this policy all about?
This policy is simply a whole life policy ...this is what it was called about 40 years ago and in some circles it is still called by the same name.
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This straight life policy was a non-participating policy with cash values. It had no dividends. I clearly recall the surprise on the faces of clients when they became aware that after a long period...20 years or so...they could get back a large portion of their premiums on surrender of their policies. Here is how that policy worked.
As you must be aware by now the straight life insurance policy is simply a whole life policy otherwise known as an ordinary life policy.
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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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