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Types of life insurance policies
There are two basic kinds of life insurance policies:
whole life and term insurance, and of course the hybrids.
Whole-life policies, a type of permanent insurance, combine life coverage with an investment fund. Here, you're buying a policy that pays a stated, fixed amount on your death, and part of your premium goes toward building cash value from investments made by the insurance company.
Cash Value builds tax-deferred each year that you keep the policy, and you can borrow against the cash accumulation fund without being taxed. The amount you pay usually doesn't change throughout the life of the policy.
Universal life is a type of permanent insurance policy hybrid that combines term insurance with a money market-type investment that pays a market rate of return. To get a higher return, these policies generally don't guarantee a certain rate.
Variable life and variable universal life are permanent policies with an investment fund tied to a stock or bond mutual-fund investment. Returns are not guaranteed.
The other type of coverage is Term Insurance, which has no investment component. You're buying life coverage that lasts for a set period of time provided you pay the monthly premium. Annual-renewable term is purchased year-by-year, although you don't have to requalify by showing evidence of good health each year.
Living Benefits — an option sometimes included under some life insurance policies by which the insurer provides discounted policy proceeds (face amount, cash value, and dividends, if any) to a terminally, chronic or critically ill insured. This permits the insured to meet extraordinary living, medical, or hospice expenses. Also known as accelerated death benefits. The NEW LIFE INSURANCE
When you're young, premiums for annual-renewable term insurance are dirt cheap - as low as a few hundred dollars per year for $250,000 worth of coverage.
After the policy term is up, premiums steadily increase. Level-premium term has somewhat higher - but fixed - premiums for longer periods, anywhere from five to 30 years. However during your term the premiums stay leveled at the price you purchased the plan...
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RETIREMENT CALCULATOR
Retirement Planner: How Should I Prepare For Retirement?
The three major elements of your retirement portfolio are benefits from pensions, savings and investments, and Social Security benefits.
To help you plan for retirement, you may want to use our Retirement Planner to explore a variety of retirement scenarios. You can use a range of assumptions about your future earnings or when you will stop working.
The Retirement Planner tells you how to qualify for Social Security benefits. It also includes a Retirement Estimator and Benefit Calculators that help you calculate your own benefit estimates and tells you what affects your benefits.Type your paragraph here.
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