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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The amount of spendable income an individual has helps determine what is affordable life insurance.
You have been hounded by life insurance agents from your senior years in college. You just didn't see the need to buy personal life insurance.
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Term life insurance no exam necessary. These days, it appears that, everyone wants to buy term life insurance.
Finding the best term life insurance policy can be a very tedious exercise. What really is the best? It is important to make a decision as to why this life insurance is needed in the first place. We t…