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Which type of life insurance policy is right for me?

WHICH TYPE OF LIFE INSURANCE DO I NEED? 1. 2. 3. Are you going to use life insurance primarily Are you going to use life insurance primarily as protection for your family? Are you going to use life insurance strictly as defense against catastrophe? as an investment? WHOLE UNIVERSAL TERM LIFE LIFE LIFE Universal Life Insurance premiums are paid into your policy's account value (after a premium expense charge), where it earns interest. You have the ability to take loans or make withdrawals from the account Whole life insurance helps your family prepare for the unexpected. The death benefit can help replace a family's loss of income, help with mortgage costs, or educational needs - or to leave a legacy for the next generation. Over time, whole life policies build cash value that grows tax-deferred, and can be accessed during your lifetime. Term life insurance is the most straightforward form of protection. You generally pay premiums on a monthly or annual basis and your family is protected for that "term." value for your personal needs. ... How old are you? VARIABLE UNVERSAL JOINT UNIVERSAL •.... 25 35 45 55 65 Variable Universal Joint Universal Life is LIMITED PAYLIFE $$$ $ss Sssss (Cost of insurance) is a permanent policy that allows you the flexibility to customize individuals'needs within the coverage and premiums that meet a flexible, economical way of providing fortwo SINGLE PREMIUM one policy, while building tax-deferred account value. ... The coverage lasts. The premiums don't. These policies can be policy provides lifetime completely paid for protection with onlyone in 10, 15, or 20 years. This single premium wholelife insurance your needs. SELECT RETURN PREMIUM TERM premiumpayment. A level premium payment term of 20 or 30 years, coverage for periods of whichever you choose. And if you outlive that level premium payment period, you'll get all the policy ou've paid back at the end of the term. Select Term Life SURVIVORSHIP Insurance policies offer UNIVERSAL FINAL EXPENSE 10, 20, or 30 years. You choose the length of time. The coverage lasts. The premiums n't. Final Expense Life Insurance can help families deal with grief, rather than worry about burial expenses. The policy pays a death benefit directly to your beneficiary. These policies can be completely paid for in 10,15, or 20 years. MORTGAGE LIFE Your home may be one of the CONCLUSION biggest investments you'llever make, so in the event of your death, your loved ones might struggle to keep the home. You can help prevent that from happening. You need life insurance for: • Keep paying the home mortgage. • Maintain their current standard of living. • Pay off debts, estate taxes, and final expenses. • Create a fund for college education. • Create a fund for a family member with special needs. • Protect their dreams for the future. For more information on life insurance visit:

Which type of life insurance policy is right for me?

shared by adamadam1 on Feb 22
So, you recognize the fact that you need life insurance and that is a good start. But which type of life insurance? There are so many life insurance products in the marketplace that serve different pu...


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