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Life Insurance

 

What are the two types (term and permanent) of life insurance?

While there are many different types of life insurance policies, they generally fall into two categories term and permanent.

Term

Term Insurance is the simplest form of life insurance. It provides financial protection for a specific time, usually from one to 30 years. These policies are relatively inexpensive and are well suited for goals, such as insurance protection during the child-raising years or while paying off a mortgage. They provide a death benefit, but do not offer cash savings.


Permanent

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. This type of insurance is good for long-range financial goals.

If you purchase permanent insurance, your premiums will pay a death benefit and may also build cash value that can be accessed in the future.

Answer Financial
Get $100,000 in Term Life Insurance for less than 25 cents a day, guaranteed for 15 years.
According to Kiplinger's Personal Financial magazine, there's no better bargain than term life insurance. Dollar for dollar, it's probably the cheapest insurance you can buy. And you can buy right now, online, in a matter of seconds. No obligation - Get Your FREE Quote Now!
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Online Life Insurance Companies
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Childrens - Insurance
The best time to start life insurance for your children, and grandchildren is when they are young and in good health. The Globe Young American Plan, available through Childrens-Insurance.com, is the beginning of a lifetime estate and it is the smartest way to protect your child's ability to get life insurance in the future.

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Answer Financial
Get $100,000 in Term Life Insurance for less than 25 cents a day, guaranteed for 15 years. According to Kiplinger's Personal Financial magazine, there's no better bargain than term life insurance. Dollar for dollar, it's probably the cheapest insurance you can buy. And you can buy right now, online, in a matter of seconds. No obligation - Get Your FREE Quote Now! 

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Insurecom
An established insurance entity with a 10 year history of success and growth. Offers free quotes for Life, Health, Long-Term Care, and Auto insurance coverage, for the USA, and Canada.
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Netquote
A free consumer service offering you a fast and easy method to comparison shop for your insurance needs. Submit for a free quote, and their system will match you to companies with the best rates. Coverage insurance types: Business, Health, Renter, Homeowner, Life and Auto.
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AccuTerm
Fill out their easy form, and in minutes, their system will guide you through the entire process providing you with a personalized quote, and competitive rates from top companies.

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