Murfreesboro Life Insurance Rates

Dec 03, 2018 (0) comment

Murfreesboro Life Insurance Rates

Murfreesboro Life Insurance Rates

AmeriAgency Has Great Murfreesboro Life Insurance Rates

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Buying life insurance? Here are the facts about term vs whole life insurance, plus common features, definitions and shopping advice you need to compare.

Buying life insurance seems daunting. But most people can start shopping by making one key decision:

Do you need term life insurance or whole life insurance?

Both types have their benefits and drawbacks: Term life insurance is affordable and straightforward, and whole life doesn’t expire but is more expensive. To decide between term or whole, it’s important to know how they’re different and what makes them right for your financial scenario.

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What is term life insurance?

Term life insurance is “pure” life insurance. The policyholder pays premiums regularly. If they die while the policy is in effect, their beneficiary (or beneficiaries) receives a death benefit.

It’s very straightforward, which is the selling point for people who want a simple life insurance option.

Term life insurance is also relatively inexpensive. Because it’s stripped-down life insurance, without additional fees or maintenance, it’s much more affordable than whole life.

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What is whole life insurance?

Whole life insurance is a type of permanent life insurance, which stays in effect for as long as you pay the premiums. This means you never have to worry about uninsurability or losing your safety net as you get older.

Besides whole, other types of permanent life insurance include variable, universal and variable universal.

Whole life is more complicated than term overall, but one definition you need to know is the cash value, which is an investment-like product coupled with the insurance policy.

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