Whole life insurance comparison. One of the ongoing controversies
in the life insurance business is the constant comparison of whole life
insurance with term life insurance.
There is an unbelievable hatred by the term insurance lovers of whole life insurance in any form.
If these people took the time to understand the differences between the companies that sell whole life insurance and to make an honest whole life insurance comparison between the policies sold by these companies they would come to the realization that all whole life insurance policies are not the same.
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There can be a vast difference between the performances of life insurance companies and thus a noticeable difference in amount of premium, cash value and dividend. Why is it that two companies, both 150 years old, have such vast differences in net worth? Check A. M. Best and you will see the disparity.
Although an insurance agent's license is threatened by suggesting that whole life is an investment vehicle or even a good saving the amount of return on some of these policies, with some of the better companies, certainly makes the whole life policy look pretty good.
This article may suggest to some that I do not like
term life insurance.
That assumption would be entirely incorrect.
Term insurance would fit into more peoples portfolio than would whole life because it is more affordable. Term insurance is good insurance if your interest is providing for your family after death. Whole life also has it's place.
It can do what term insurance can do and considerably more. If you are able to afford it and you like the idea of cash value and dividends take a look at a whole life insurance comparison.
There is nothing more important than your family's security. What would happen to your family if you died? Would they be provided for? Compare Quality Quotes and Save up to 70%! The process is Fast, Easy and FREE. Get Quotes
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Life insurance should be seen as an instrument to provide an income for your family.
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