Whole life insurance is the plan of choice for many people. There are many variations to this plan. It may be a good thing to look at some of them. We will begin by examining the basic whole life policy.
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There are other variations to the whole life policy. They are usually
referred to as modified life policies. Some have a lower level premium
for 5 or 10 years and a higher level premium thereafter.
There are a few others that have a more complex premium structure but with a lower premium throughout. This premium is based on whether or not the company pays a dividend.
As a result the owner of the policy may end up with a lower death benefit than anticipated, if the company doesn't perform. The older and stronger companies, however, usually are able to keep the death benefit at the original level.
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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.