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Term Life Vs Whole Life

Term Life Vs Whole Life Insurance

Term life vs whole life, is there still debate about which is best? I think it has died down a bit.

People are not too certain anymore that term insurance is the only way to go.

That is good because people should take the time to check out both types of policies for themselves and make their own decision.

Term life insurance is great insurance. Each term policy covers specific needs but term insurance is temporary insurance whether you buy a policy for one year, 5 years or 30 years. It is still temporary.


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People want their life insurance protection to be permanent, coverage right up until age 100. That is why whole life in some form outsells term life insurance. The types of policies most people buy are modified whole life policies.

These are policies created by life insurance with the intent of increasing their share of the life insurance sold. Some are somewhat like the universal life policies all built into one whole life policy.

I have a favorite whole life insurance policy. This is the old non par whole life policy. Cash values take much longer to break even but the premiums are much lower. There is no dividend.

Some companies' non par whole life policies never have cash values break even with premiums but that is O.K.

There is always some cash to fall back on if you need it though. When you die your family gets the face amount.

Term life And whole life insurance, is there a contest as to which is best? Not really, each type has a job to do and it does the given job very well.


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