Whole Life Insurance

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• Insurance Type:
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Permanent life insurance is coverage for your entire life. Under this type of policy, your coverage will never expire and will never need to be renewed. This is, of course, assuming the premiums are paid in a timely manner.

The amount, for which you are insured, also known as the death benefit, will be paid to your beneficiaries at the time of your death.

Once known as permanent life insurance, these policies are now more often called cash-value insurance. The term "cash-value" refers to an additional savings feature that increases the value of a policy.

Benefits of a Permanent Life Insurance Policy

1. Flexibility. A permanent plan can give you access to some or all of the premiums that you have been paying for in a way favourable to your taxes.
2. It's with you until you die. This type of policy coverage is guaranteed for your life with no out of the blue payment increases. A term policy will expire at a certain date, and a renewed policy could have much higher premiums.
3. Inheritance. Maybe the best reason for a permanent policy is to make sure the government doesn’t eat up your estate and investments. A permanent policy can provide peace of mind that your family and loved ones will be taken care of for the future.

Remember, the decision to buy a permanent or a term life insurance policy will depend on your situation, your age, your financial well being, and other factors. If you are a young family with some investments to protect but not financially stable a term life policy might be a good idea to protect those investments and your family. However, if you are financially stable with considerable investments, it may be a better decision in the long run to purchase a permanent plan.

What is a 20 Pay Life Insurance Policy?