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.

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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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