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What are the principal types of
life insurance? There are two major types of life
insurance�term and whole life is new york life
insurance company Whole life is sometimes called
permanent life insurance, and it encompasses
several subcategories, including traditional whole
life, universal life, variable life and variable
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In 2003, about 6 is new york life insurance
company4 million individual life insurance policies
bought were term and about 7.1 million were whole
life. Life insurance products for groups are
different from life insurance sold to individuals.
The information below focuses on life insurance
sold to individuals. Term Term Insurance is the
simplest form of life insurance. It pays only if
death occurs during the term of the policy, which
is usually from one to 30 years. Most term policies
have no other benefit provisions. There are two
basic types of term life insurance policies�level
term and decreasing term. Level term means that the
death benefit stays the same throughout the
duration of the policy. Decreasing term means that
the death benefit drops, usually in one-year
increments, over the course of the policy�s term.
In 2003, virtually all (97 percent) of the term
life insurance bought was level term. For more on
the different types of term life insurance, click
here. Whole Life/Permanent Whole life or permanent
insurance pays a death benefit whenever you
die�even if you live to 100! There are three major
types of whole life or permanent life
insurance�traditional whole life, universal life,
and variable universal life, and there are
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traditional whole life, both the death benefit and
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What are the principal types of life insurance?
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life and variable universal life or insurance life
rate In 2003, about 6 or insurance life rate4
million individual life insurance policies bought
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Life insurance products for groups are different
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individuals. Term Term Insurance is the simplest
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usually from one to 30 years. Most term policies
have no other benefit provisions. There are two
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term and decreasing term. Level term means that the
death benefit stays the same throughout the
duration of the policy. Decreasing term means that
the death benefit drops, usually in one-year
increments, over the course of the policy�s term.
In 2003, virtually all (97 percent) of the term
life insurance bought was level term. For more on
the different types of term life insurance, click
here. Whole Life/Permanent Whole life or permanent
insurance pays a death benefit whenever you
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insurance�traditional whole life, universal life,
and variable universal life, and there are
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