Life ins policy

What other life insurance benefits can be added to my policy?

What other life insurance benefits can be added to my policy? There are a number of insurance benefits that provide additional protection to the policyholder. These are usually attached to the life insurance policy and require the payment of an additional premium. Guaranteed Purchase Option Insurance companies allow younger insureds (usually between 25 and 40) who can't afford the high premiums of a policy with a large face amount, to purchase extra insurance without proof of insurability. Insurers offer the policyholders in this age group new insurance benefits every three years, or upon the occurrence of critical life events, such as marriage or the birth of a child. The amount of...

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Whole Life Insurance Policy

Whole Life Insurance Policy If by "whole life", permanent life insurance is meant, then there a few types of whole life insurance. Although many people think of term vs. whole life insurance as the two categories of life insurance, there are many variations. There is temporary insurance for a specified period of years which expires worthless after the selected period of protection is over, i.e., term life insurance. That was the original form of life insurance, not the whole life insurance. However, there was also a demand for permanent insurance, partly because of tax and estate planning needs, e.g., to avoid having to sell part of the estate to raise money to pay estate taxes, or to be...

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2 Kinds Of Life Insurance - Learning About Life Insurance Coverage

When you are planning on things that you can do to make sure that your family is safe after you have died, one of the things that you plan on should be life insurance. With life insurance, your family will be able to have some money, which can let them cover the funeral expenses, as well as other expenses that may come up. When you are looking at life insurance, there are different kinds of insurance that you can choose from. Knowing the differences can help you figure out which one is best for you and your situation. When you choose to use term life insurance, you are setting it up for a particular time period. For example, your term may be for 30 years from the time you sign up for the...

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Unbundled Life Insurance Policy

What is 'Unbundled Life Insurance Policy' An unbundled life insurance policy is a type of financial protection plan that provides cash to beneficiaries upon the policyholder's death. A unbundled life insurance policy contains a savings and investment component that the policyholder can use during his or her lifetime or pass on to beneficiaries. This does not expire when the policyholder reaches a certain age; and that allows the policyholder to adjust the amount and timing of premium payments and the amount of the death benefit while the policy is in force. Unbundled life insurance is another word for universal life insurance. BREAKING DOWN 'Unbundled Life Insurance Policy' Both whole and...

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