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Insurance / Life Insurance / Life Insurance

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Types of Life Insurance 

a- Term Life Insurance  
Offers protection for your loved ones for a specified period of time—usually from one to 20 years.
If you stop paying premiums, the insurance stops. Term policies pay benefits if you die during the period
 covered by the policy; but they do not build cash value.
b- Permanent Life Insurance
Policies do not expire; they are intended to protect your loved ones permanently.
Some types of these policies accumulate cash value, although they should not be purchased solely for that use, since their primary purpose is to provide protection.
Permanent life insurance policies have variations. Your insurance agent can provide you with specific details to help you choose the policy that best serves your needs. If you value added security, flexibility, cash value and lifetime coverage, some form of permanent life insurance may be right for you.              
c- Term And Permanent Life Together
Don’t think that you’re limited to one or the other; you may find that a combination of term and permanent life meets your needs best. For example, the foundation of your life insurance plan could be permanent life, supplemented by term life during your Family-building, mortgage-paying years when coverage needs are typically higher.         


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