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Life Insurance Information


There are many kinds of life insurance, they generally fall into two categories: term insurance and permanent insurance(Universal Life and Whole Life).  

Term insurance is designed to meet TEMPORARY needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time.  For instance, you may decide you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage. This is why Term Life policies come in 30, 20, 15 and 10 year policies.  Term policies do NOT build up Cash Value and typically cost less than a Universal life policy at first.

A 15 yr policy for a 40 yr old is much less than a 30 year policy; however, the 16th year  the policy changes to an annual renewable term policy.....which means each year the rate increases as the policy holder ages.  Whereas, the 30 year policy is typically "locked in" and the rate will not change for the entire 30 years.    After the 30 years is up the policy typically renews as an annual renewable term. 

Example--LEVEL TERM--40 yr old in excellent health may pay $95/qtr for $400,000.  After the 15 yrs is up(age 56) the rate will reflect age 56 perhaps costing $388/quarter, then age 57 $536, then age 58 costing $683/qtr....etc
Example--Universal Life--age 32 in very good health for $500,000 costing $183/month.  As one reaches age 55 cost is $183/month.  As one reaches age 75 cost is $183/month up to age 100 & longer. $183/month. 

Another really nice policy is SYMETRA's Ins Co's 20 year paid in full.  This is a Universal Life policy, similar to Univ Life example above; however, after 20 yrs of making slightly higher payments $260/month(vs $183) the Universal Life policy is paid in FULL for it's lifetime.  This type of policy costs extra $900 per year; however, on 21st year you pay ZERO while the traditional Universal life continues paying the same amount $183/month to age 100 or so.....

In contrast, permanent insurance provides lifelong protection.  As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid.  Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.  Permanent insurance can include various other benefits as well.  

Each type of policy has it's negatives and positives. 

It is common to have one or more life policy on the same individual.  Situations change.   
Thirty years ago, one of my old  life companies had a flyer recommending 10 times one's salary in life insurance(e.g. $30,000=$300,000).    

Please let me know if you would like a life quote for yourself  or spouse from this agencies fine Lineup of Life carrier's: Symetra, Prudential and others.

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