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Life Insurance Rates

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There are many types of life rates out there because of the various insurance policies that exist. Do you know which insurance policy is right for you?

The basic difference between life insurance is that you can receive insurance for either whole or term life insurance. What is the difference? The main difference between these insurance policies is that one covers the insured until he/she is 100 (a full life), and the other does not. Term life insurance policies cover only a certain time period, depending on what the term life insurance policy owner decides upon.

Whole life insurance protects you for your whole life, from the day you purchase the policy until you die, as long as you pay the premiums. It is also called permanent insurance. Whole life can be a solid foundation upon which to build a long-term financial plan because it guarantees lifetime protection for your family or business.

Term life insurance is perhaps the most basic form of life insurance. It usually provides affordable protection, often with a guaranteed premium, for some period of time. If the insured should die while the life insurance policy is in force, the face amount is paid to the named beneficiary. At the end of the premium guarantee period, the insured can renew the coverage at a higher premium.



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