Term life insurance vs permanent has been the center of active and thought provoking debate ever since the idea of
term life insurance
came to man's mind.
Term insurance is without question cheaper than permanent life insurance but when compared with the value built into the latter people have varying ideas as to which is best. What about the cash values and dividends you get from permanent policies?
Do you just ignore these? How can cash values and dividends be used to offset cost? Questions worth answering aren't they?
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The ever constant innovation of life insurance policies make it more and more difficult to come to a consensus. The idea "term life insurance versus permanent" will continue to provoke the thoughts of anyone considering a life insurance purchase. Because term is simplest I will discuss that one first then I will get to the complexities of permanent life insurance and it's varying alternatives.
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