LIFE INSURANCE

Permanent Life Insurance

Permanent Life Insurance

Unlike Term Life policies, Permanent Life policies have the option of lasting through your "whole life," which was one of the first types of permanent life insurance. Some permanent policies also combine the death benefit with a savings portion.

This savings portion can build a cash value that can be borrowed against or used toward life goals such as college costs or supplemental retirement income. The cash value can even be used to pay future premiums.

Many policies provide tax-free, zero-cost loans. In many states, the cash values inside of Permanent Life policies are safe from creditors, which provides vital asset protection to the insured/owner. Once issued, a permanent life policy never requires the insured to go through medical underwriting again.

Common Characteristics

All Permanent Life insurance policies share some common characteristics:

Types of Permanent Life Policies

There are several types of permanent life insurance policies:

Which One is Right for Me?

Permanent policies can be created and priced to meet the different goals that an insured has:

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