Straight life insurance was one of the favorite and most bought
life insurance policies.
Everyone wanted a straight life policy. What is this policy all about?
This policy is simply a whole life policy ...this is what it was called about 40 years ago and in some circles it is still called by the same name.
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This straight life policy was a non-participating policy with cash values. It had no dividends. I clearly recall the surprise on the faces of clients when they became aware that after a long period...20 years or so...they could get back a large portion of their premiums on surrender of their policies. Here is how that policy worked.
As you must be aware by now the straight life insurance policy is simply a whole life policy otherwise known as an ordinary life policy.
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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.