Life Insurance doesn’t have to be a mystery. In it’s simplest form it boils down to 2 types:

  1. The type that accumulates cash – Whole Life, Universal Variable, Universal and Indexed
    Permanent insurance (such as universal life, variable universal life and whole life) provides long-term financial protection. These policies include both a death benefit and, in some cases, cash savings. Because of the savings element, premiums tend to be higher than term insurance premiums.
  2. The type that doesn’t – Typically Term – Guaranteed Level for a set number of years Term insurance generally has lower premiums in the early years, but does not build up cash values that you can use in the future. It covers you for a term of one or more years, and pays a death benefit only if you die in that term.


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