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What are the principal types of life insurance?
There are two major types of life insurance�term
and whole life of corporation india insurance life
Whole life is sometimes called permanent life
insurance, and it encompasses several
subcategories, including traditional whole life,
universal life, variable life and variable
universal life of corporation india insurance life
In 2003, about 6 of corporation india insurance
life4 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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the premium are designed to stay the same (level)
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ages, and it obviously gets very high when the
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