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Life Insurance Information
There are many kinds of life insurance, but they generally fall into two categories: Term (temporary) Insurance and Permanent Insurance (whole life).
Term insurance is a type of insurance that provides coverage for a certain period of time, or a specified number of years such as 10,15, 20 or 30 (years). If the insured dies during the "term" specifed in the policy, and the policy is in force, the death benefit will be paid. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time, for example, until your mortgage is paid off, or until your children graduate from college, or for continued care until your children reach legal age if cared for by grandparents or other relatives due to your premature death. Term life insurance policies are less confusing, convenient and the premiums are cheaper than whole life premiums because term insurance policies do not have cash value (savings/investment account).
In contrast, permanent insurance provides lifelong protection (until age 100), as long as you pay the premiums, and no loans, withdrawals or surrenders (voluntary policy cancellation) are taken, the full face amount will be paid. Because it is designed to last a lifetime, whole life insurance accumulates cash value (savings/ investment account) and is usually more expensive than term life insurance because a portion of your premiums goes towards the investment (stocks, bonds, money market, etc.). You can borrow against the savings account or possibly use it as a retirement account.
It is impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.
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