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Life insurance
Life insurance is a contract between an individual and an insurance company that provides a financial payout (death benefit) to beneficiaries upon the insured’s death. It helps protect loved ones from financial hardship by covering expenses like funeral costs, debts, and income replacement.
Main Types of Life Insurance Policies
Term Life Insurance
Provides coverage for a specific period (e.g., 10, 20, or 30 years).
Features:
- Lower premiums compared to permanent policies.
- Pays death benefit only if death occurs during the term.
Best For:
Individuals seeking affordable, temporary coverage.
Whole Life Insurance
Permanent coverage that lasts a lifetime as long as premiums are paid.
Features:
- Fixed premiums.
- Builds cash value that grows over time and can be borrowed against.
Best For:
Long-term financial planning and guaranteed coverage.
Universal Life Insurance
Flexible permanent policy with adjustable premiums and death benefits.
Features:
- Accumulates cash value with interest.
- Allows changes to coverage and payments.
Best For:
Those who want flexibility in premium payments and benefits.
Variable Life Insurance
Permanent policy with investment options for cash value.
Features:
- Cash value tied to investment performance (stocks, bonds, etc.).
- Higher risk but potential for greater growth.
Best For:
Individuals comfortable with market risk and seeking investment opportunities.
Indexed Universal Life Insurance
A type of universal life where cash value growth is linked to a stock market index (e.g., S&P 500).
Features:
- Offers upside potential with some downside protection.
Best For:
Those wanting growth tied to market performance without direct investment risk.
Final Expense Insurance
Designed to cover funeral and burial costs.
Features:
- Lower coverage amounts.
- Affordable premiums.
Best For:
Seniors or those seeking coverage for end-of-life expenses.
Optional Riders
- Accidental Death Benefit
- Waiver of Premium
- Child Term Rider
- Long-Term Care Rider
