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Permanent life insurance FAQs

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Saturday, April 21st, 2012

What information one should gather prior to purchase of a permanent life insurance policy

Before buying a permanent life insurance policy the individual should & must know all the simple as well as the critical aspects about the policy. First & fore mostly it is important to get a clear idea regarding the Life Insurance. It is a kind of policy which facilitates the family of the insurer in […]

Friday, March 23rd, 2012

When is a permanent life insurance policy the best option?

A life insurance policy insures the policy holder from death; this means that death during the validity of the policy will payout a sum of money that was assured at the time of the start of the policy. This type of life insurance does not expire or does not have a time limit. The premiums […]

Sunday, March 4th, 2012

Why Should You Invest in Permanent Life Insurance?

The untimely death of an earning member can throw the bereaved family into difficulties they never imagined. They might have to face lack of funds for future expenses like college fees, a compromise on the standard of living they have been used to and a feeling of insecurity. Why put your family through hell when […]

Sunday, January 15th, 2012

What are the benefits and drawbacks of whole life insurance?

Whole or permanent life insurance can provide lifelong coverage and protection, something that is not the case with term life insurance, which a lot of people go for. The only obvious flaw in permanent life insurance which acts as a deterrent is the fact that the cost of the insurance is higher compared to term […]

Wednesday, January 11th, 2012

What are the factors to consider while purchasing permanent life insurance?

The most basic form of permanent life insurance provides coverage through your lifetime and is more expensive compared to the term life insurance, which offers coverage only for a stipulated period of time. However, there are quite a few factors that you will need to consider before purchasing permanent life insurance. Permanent life insurance premium […]

Tuesday, December 13th, 2011

What are the pros and cons of variable life insurance?

Variable Life Insurance is also better known as Variable Appreciable Life Insurance and it offers permanent protection to the beneficiary upon death of the policyholder. This is known as variable type of life insurance as you can allocate a part of the premium dollars into a separate account that comprises of different types of investment […]

Monday, December 12th, 2011

What are the significant features of the survivorship life insurance policies?

Survivorship Life Insurance policies are slightly different from the rest of the life insurance policies. This is also better known as Joint and Survivor Life Insurance or Second to Die Life Insurance, where the lives of two people are insured, mainly husband and wife. The death benefit is generally not paid to the beneficiary until […]

Friday, December 9th, 2011

Whole life insurance – basic permanent coverage everyone must have

Purchasing a life insurance should be done with care and responsibility, since it is to protect for a lifetime and beyond. It will protect the loved ones in the event of unforeseen circumstances and protects the policy holder when involved in accidents. Applying for a permanent life insurance is more beneficial than term insurance, since […]

Monday, December 5th, 2011

Is universal life insurance the right option for you?

Universal Life Insurance is a type of flexible permanent life insurance which offers low-cost protection that is offered by term life insurance along with a savings element, like in the case of whole life insurance. This savings element provides a cash value buildup. All these benefits as well as the premiums may be reviewed and […]

Friday, September 30th, 2011

How does permanent life insurance work?

Today, the number of people intending to secure their lives by purchasing an adequate life insurance policy is increasing. The need to purchase a life insurance cover does not indicate that you must compromise either on the premium rates or benefits. Here a few good pointers that will educate you on the working of your […]

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April 27th, 2012

When is the best time to buy a term life insurance?

Owning a Life Insurance policy is important and this not only insures your life and assures your family of monetary payments after your death it is also a form of investment if done wisely. There are two main types of life insurance, term insurance and whole life insurance. Very simply explained term insurance is when […]

April 25th, 2012

Why must you review any policy carefully while buying life insurance in your state?

Purchasing a life insurance policy is a good decision as this is one way of benefiting your family in case your death. This is a big decision and finding a good policy for life Insurance in your state is very important. Choosing a good company is also very important to get the best benefits for […]

April 19th, 2012

What are the frequently asked questions about term life insurance?

There are certain questions that tend to creep into the mind of a customer before buying a particular policy. Some of these frequently asked questions can well be answered to provide the individual with some collective information regarding the Term Life Insurance. The questions asked can vary from person to person or at times can […]

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