A young man recently asked me to define term life insurance.
Because I have been in this business for almost all of my life it never occurred to me that there was anyone that would not know what term life insurance was all about.
For the edification of anyone who would appreciate it I am going to take the time to define term life insurance.
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Term life insurance is life insurance in it's purest form. There are
in the premium. In most cases just enough to make sure that the
insurance company does not loose their shirts.
In my attempt to define term insurance I want to make it clear that there is no such thing as a no-load life insurance policy. There are some premium loads in every life insurance policy which are used to cover the costs of issuing the policy. Term has very little...
To define term life insurance we therefore have to say that term life insurance is life insurance in it's purest form.
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Death proceeds from 10 year life insurance can be in lump sum form or incomr form
The 5 year term life insurance policy has been around in insurance circles for a very long time. It can be sold as a policy or as a rider to a permanent life insurance policy.
The 20 year term insurance policy is one of the most sought after life insurance policies.
Take a look at 20 pay life insurance. Most people know that you buy whole life insurance if you want to be covered for the rest of your life even if you live to age 100.