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Bread, Milk & Car Insurance
With increased competition between supermarkets to gain market share and improve profitability, the range of products on offer is getting ever diverse. Now, the big three chains, Tesco, Sainsbury’s and Asda have caught on to the fact that their...
Buy Health Insurance Online and Save
It is now possible to thoroughly research and buy health insurance online. Without health insurance, the smallest of incidents, accidents, or illness can leave you with expensive medical bills that most people would have difficulty paying. Even a...
Finding Term Life Insurance online
What exactly is Term Life Insurance? Term life is a form of life insurance where you’re covered for a number of years - the number of years is called the term. Term life insurance policies can be for as long as 30 years or for 20 years, 15, 10 or...
Guide to Life Insurance Terms
Listed below is a useful guide to life insurance terms. It is a list of definitions of life insurance terms that may or may not be familiar to you. Accelerated Benefit Provision A provision in many new policies which will allow the policy owner...
Nine Ways To Lower Your Auto Insurance Costs
Nine Ways To Lower Your Auto Insurance Costs You may not realize it, but the insurance rates you pay for your car can vary dramatically depending on the insurance company, agent or broker you choose, the coverage is you request and the kind of...
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Life Insurance Benefits
Life Insurance is a legal contract between you and a life insurance company with the purpose of providing an income to spouse, children or other beneficiaries in the event of your death.
There are two different categories of Life Insurance. Term Insurance is designed to provide death benefits for a specific time period. It is set up to pay a death benefit if a person should die in this specific time period. The most common term for life insurance is 20 years. Term Insurance has many benefits: it is relatively inexpensive to purchase initially. The reason for this is because your only paying for this death benefit if the death occurs during this specific time period or "term". Term life insurance is great for young couples just starting a family. It is affordable and offers high levels of coverage.
The drawback to Term life insurance is that when you initially start out, your payments are low and coverage is high, but at the end of your 20 year term you decide you still need coverage and the cost is much higher because your are now 20 years older. If you are in good health your premiums will be higher.
If you have had any medical conditions in the past 20 years, you may not even qualify for life insurance. Some term life insurance policies do offer a provision that will allow a person to convert their term into permanent life insurance in the first few years of the policy.
The other type of life insurance is Permanent Life Insurance. Permanent is just that-as long as the premiums are paid, the death benefits are paid. One of the benefits a person receives from Permanent Life Insurance is that it has a cash value. That means you can borrow money on it. There is no need for a credit check on this type of loan. Basically the life insurance is the collateral.
The drawback to Permanent life insurance is cost. It is much higher premium than that of a term policy.
About the Author
Timothy Gorman is a successful webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides more insurance information and offers discount auto insurance, life and home insurance that you can research in your pajamas on his website.
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