Term insurance or life insurance

Understanding Term Life Insurance, HERO S Strategies, Inc.

Understanding Term Life Insurance In days gone by, life insurance used to be simple. You figured out how much death benefit you needed, and then you chose between term and whole life. The life insurance industry has gotten a whole lot more complicated in recent years. Besides term and whole life (now often called “permanent life”), there are universal policies … variable universal policies … variable life … even a new type of term life called “return of premium”. How can you weigh your options and decide which type is right for you? This article introduces you to the concept of term life insurance. Term life insurance is often referred to as “...

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Term Life Insurance Vs. Whole Life Insurance: Which is better?

Which is Better: Term Life or Whole Life Insurance? If you’re considering investing in life insurance, one of your first decisions is likely term insurance vs. whole life insurance. The type of insurance you choose will dictate the level of protection you get, and for how long, so it’s important to understand which policy fits best for your individual situation. What is the Difference Between Term and Whole Life Insurance? There are a few key differences between term and whole life insurance, including: Length of coverage: Term policies only offer death-benefit coverage for the policyholder for a set number of years, while whole life, instead, extends through the person’s death. Whole life...

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Life Insurance

Life insurance is designed to do one thing and that is to protect an individual’s greatest asset; their Income. Life insurance coverage is there to provide an income in the event of an untimely death to the wage earner or person’s responsible for paying the bills. It is also there to provide money for burial, final expenses, estate and other various taxes. As we go through life we are all responsible to someone else, somewhere along the way. By having life insurance in place it enables us to take care of those we are responsible for in the event that we are no longer alive to take care of them. Each one of us are essentially all just Money Machines for the people we take care of and...

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Article: Term Life Insurance : Term Life Insurance

What is term life insurance? Term life insurance is “pure” insurance. It offers protection only for a specific period of time. If you die within the time period defined in the policy, the insurance company will pay your beneficiaries the face value of your policy. Term insurance differs from the permanent forms of life insurance, such as whole life, universal life, and variable universal life, which generally offer lifetime protection as long as premiums are kept current. And unlike other types of life insurance, term insurance does not accumulate cash value. All the premiums paid are used to cover the cost of insurance protection, and you don’t receive a refund at the end...

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Life Insurance, Fortitude Insurance Group

Life Insurance Life insurance from Fortitude Insurance Group can help you secure your family's financial future by providing the funds they need to cover burial expenses, uninsured medical bills, pay off your mortgage and other outstanding debts. Life insurance is an important insurance and financial vehicle to help your family maintain a comfortable standard of living should a loss of life occur. With over 20 years experience in the life insurance industry, there are a variety of life insurance solutions that Fortitude Insurance Group can provide. Term Life - Maximum coverage lower in cost Term Life Insurance is a low-cost way of providing maximum coverage for your family over a pre-...

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Term And Whole Life Insurance: Which Is Better?

If you are involved in financial planning or have gone through life insurance options previously, the question of choosing either term or whole life insurance would have surfaced. Everyone has his or her preferred option. They would have great reasons on why they believe their choice is right. And they might very well be. In that case, who is right and who is wrong? Or could everyone be right in their own ways? The Purpose Of Life Insurance Rather than to debate the pros and cons of term vs whole life insurance, we think the most important thing to consider first is why you are buying life insurance. For most people, the need to buy life insurance is usually linked to key stages in life....

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Is Term Insurance an Investment or Expense

Is Term Insurance an Investment or an Expense? Clearing the common misconceptions about term insurance Delhi-based Adi (33) and his wife Tara (31) are discussing their financial plans. Adi is convinced about buying a term plan while Tara is not sure as to why a term insurance is required. She sees it as an unnecessary expense, especially because there is no maturity benefit. Let us see how the discussion pans out. Adi: Tara, I have learnt that a term plan is the most comprehensive form of financial protection. It offers a large life cover for a small premium. I think it makes a lot of sense for us to get term plan. Tara: Really? Is term life insurance a good investment? Say you invest Rs...

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