There were two types of life insurance you could consider...term life
insurance or permanent life insurance.
Term life had many variations and so did permanent.
Term was considered temporary insurance and still is categorized in that way by many people...especially those in the life insurance industry.
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In recent years, however, improvements to
have made them seem to be quite
to many an insurance buyer.
The popularity of the 20 year term policy has forced the life insurance companies not only to improve this policy but the 25 year term and 30 year term policies as well...
They have lowered rates considerably and in rear cases have
given the owners of these policies the option of continuing them after
the end of the term period...more often than not at a higher premium.
These improvements tend to give term insurance policies a kind of permanence.
Although some life insurance companies have had term to age 65, term to age 80 and term to age 90 for a long time they were virtually unknown to most people perhaps because the life insurance agents never promoted them much...
The seeming permanence of the 20 year term life insurance policy as well as that of the 25 year term insurance policy and 30 year term insurance policy is here to stay to the great delight of the consumer as well as those who promote these policies.
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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.