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What are the principal types of life insurance? There are two major types of life insurance�term and whole life and search for guardian 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 and search for guardian insurance life In 2003, about 6 and search for guardian insurance life4 million individual life insurance policies bought were term and about 7 and search for guardian insurance life1 million were whole life and search for guardian insurance life Life insurance products for groups are different from life insurance sold to individuals and search for guardian insurance life The information below focuses on life insurance sold to individuals and search for guardian insurance life Term Term Insurance is the simplest form of life insurance and search for guardian insurance life It pays only if death occurs during the term of the policy, which is usually from one to 30 years and search for guardian insurance life Most term policies have no other benefit provisions and search for guardian insurance life There are two basic types of term life insurance policies�level term and decreasing term and search for guardian insurance life Level term means that the death benefit stays the same throughout the duration of the policy and search for guardian insurance life Decreasing term means that the death benefit drops, usually in one-year increments, over the course of the policy�s term and search for guardian insurance life In 2003, virtually all (97 percent) of the term life insurance bought was level term and search for guardian insurance life For more on the different types of term life insurance, click here and search for guardian insurance life 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 variations within each type and search for guardian insurance life In the case of traditional whole life, both the death benefit and the premium are designed to stay the same (level) throughout the life of the policy and search for guardian insurance life The cost per $1,000 of benefit increases as the insured person ages, and it obviously gets very high when the insured lives to 80 and beyond and search for guardian insurance life The insurance company could charge a premium that increases each year, but that would make it very hard for most peop

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What are the principal types of life insurance? There are two major types of life insurance�term and whole life.

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