Permanent Insurance Overview
Permanent Life Insurance Types
You may find one of the many permanent insurance policies to your
When buying life insurance your choices are many. You can buy
term or permanent.
If you choose permanent life insurance you can select
whole life, universal life, variable life or variable universal life
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Permanent Insurance Policies
- Whole Life Insurance
When you buy a
whole life insurance policy
policy you will own a policy that will last for as long as you live
even if you should live to age 100. Some insurance companies may limit
the time you can keep the policy to, for example, age 90... if they do
so, however, they usually call the policy something life to age 90 but
it is really a whole life policy.
Upon your death the full face amount of your policy is paid in
full to your beneficiary. In many instances the amount of the death
benefit is more than the face amount of the policy...this depends on the
- Modified Whole Life Insurance
Whole life insurance premiums are level except for what is
usually referred to as modified whole life policies..there are different
types of modified policies. In some cases the premium at the beginning
is very low and increases every year for 5 or 10 years then levels off
and remains so for the rest of your life.
In some cases the premiums
begins lower and remains lower if there are sufficient dividends each
year to purchase a combination of term insurance and paid up additions.
Dividends are not guaranteed.
- Universal Life Insurance Policies
Another type of permanent insurance policy is the
universal life insurance policy.
This type of permanent life insurance is actually a combination between
term insurance and a savings plan. It is attractive because of it's
You may increase or decrease the amount of premium applied
to saving at will. You may also do the same with the death benefit for
as long as you remain insurable.
- Variable Life Insurance Policies
Variable life insurance
is a permanent life insurance policy with a whole life base. It is a
combination of whole life insurance and investments. The investment
portion of your premiums are applied stocks, bonds or money market funds
selected by you.
This type of insurance must be sold by prospectus and
the agent is required to have an N.A.S.D. license.
- Variable Universal Life Insurance Policies
A fairly new type of permanent insurance policy is the
variable universal life insurance policy.
It includes the best aspects of the universal life policy as well as
the variable life insurance policy. This must also be sold by
These are the permanent insurance options.
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