Permanent term life insurance. What a ridiculous idea...there is no such thing. Term life insurance is temporary life insurance and whole life and all cash value policies are permanent life insurance policies. I would have thought that way a few years ago but with such rapid and innovative product development in the life insurance business the phrase "permanent term life insurance" may not be so outlandish after all.
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The cash value of a life insurance policy is the thing that the industry used to differentiate permanent from term policies. Today we even have return of premium term policies...they sound kind of like permanent term life insurance. These policies return the premium paid at the end of the term period. Some people may say why don't the insurance companies develop a return of premium policy that would last until age 80, age 90 or age 100...that would truly be permanent term life insurance. May be they will develop such a policy...but I think the premiums would have to be too high and it would therefore be unattractive to the consumer.
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If you like term life insurance and need to keep it for a long time 30 year term life insurance may be perfect for you.
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Buyers tend to request a life insurance quote or several quotes on varying types of policies when they are in the market for life insurance. Some know exactly what type of policy they want but most...