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• Why Should I Buy Life Insurance
• How Much Life Insurance Do I Need
• What Are The Principal Types Of Life Insurance
• How Should I Choose What Type Of Life Insurance To Buy
• What Are The Types Of Term Insurance Policies
• Do I Need Life Insurance
• Which Type Of Life Insurance Is Best For Me
• Permanent Or Whole Life Insurance
• Variable Life Insurance
• Universal Life Insurance
• Universal Variable Life Insurance
  

Permanent or whole life insurance provides permanent protection for your dependents while building a cash value account.

With this type of insurance, the insurance company manages the policies various accounts.

What it does

It pays a death benefit to the beneficiary you name and offers you a low risk cash value account and tax-deferred cash accumulation.

It provides a fixed premium which can't increase during your lifetime as long as you continue to pay the planned amount.

It allows the insurance company to exclusively manage the cash value account in your policy.

It provides you the option to receive dividends from your policy or apply them to reduce payments.

It offers you the right to withdraw from the policy during your lifetime.

What it doesn't do

It doesn't offer the account flexibility to invest in separate accounts such as money market, stock, and bond funds.

It doesn't allow you the account flexibility to split your money among different accounts or to move your money between accounts.

It doesn't offer premium flexibility.

It doesn't offer face amount flexibility.

Article by: Insurance Finder

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