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What are the principal types of life insurance?
There are two major types of life insurance�term
and whole life.
What are the principal types of life insurance?
There are two major types of life insurance�term
and whole life.
insurance life rate 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.
insurance life rate In 2003, about 6.4
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
variations within each type. 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. 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. The insurance
company could charge a premium that increases each
year, but that would make it very hard for most
peopinsurance life online quote term 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.
What are the principal types of life insurance?
There are two major types of life insurance�term
and whole life.
insurance life rate 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.
insurance life rate In 2003, about 6.4
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
variations within each type. 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. 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. The insurance
company could charge a premium that increases each
year, but that would make it very hard for most
peopinsurance life online quote term In 2003, about
6.
What are the principal types of life insurance?
There are two major types of life insurance�term
and whole life.
insurance life rate 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.
insurance life rate In 2003, about 6.4
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
variations within each type. 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. 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. The insurance
company could charge a premium that increases each
year, but that would make it very hard for most
peopinsurance life online quote term4 million
individual life insurance policies bought were term
and about 7.
What are the principal types of life insurance?
There are two major types of life insurance�term
and whole life.
insurance life rate 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.
insurance life rate In 2003, about 6.4
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
variations within each type. 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. 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. The insurance
company could charge a premium that increases each
year, but that would make it very hard for most
peopinsurance life online quote term1 million were
whole life.
What are the principal types of life insurance?
There are two major types of life insurance�term
and whole life.
insurance life rate 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.
insurance life rate In 2003, about 6.4
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
variations within each type. 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. 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. The insurance
company could charge a premium that increases each
year, but that would make it very hard for most
peopinsurance life online quote term Life insurance
products for groups are different from life
insurance sold to individuals.
What are the principal types of life insurance?
There are two major types of life insurance�term
and whole life.
insurance life rate 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.
insurance life rate In 2003, about 6.4
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
variations within each type. 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. 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. The insurance
company could charge a premium that increases each
year, but that would make it very hard for most
peopinsurance life online quote term The
information below focuses on life insurance sold to
individuals.
What are the principal types of life insurance?
There are two major types of life insurance�term
and whole life.
insurance life rate 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.
insurance life rate In 2003, about 6.4
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
variations within each type. 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. 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. The insurance
company could charge a premium that increases each
year, but that would make it very hard for most
peopinsurance life online quote term Term Term
Insurance is the simplest form of life insurance.
What are the principal types of life insurance?
There are two major types of life insurance�term
and whole life.
insurance life rate 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.
insurance life rate In 2003, about 6.4
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
variations within each type. 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. 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. The insurance
company could charge a premium that increases each
year, but that would make it very hard for most
peopinsurance life online quote term It pays only
if death occurs during the term of the policy,
which is usually from one to 30 years.
What are the principal types of life insurance?
There are two major types of life insurance�term
and whole life.
insurance life rate 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.
insurance life rate In 2003, about 6.4
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
variations within each type. 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. 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. The insurance
company could charge a premium that increases each
year, but that would make it very hard for most
peopinsurance life online quote term Most term
policies have no other benefit provisions.
What are the principal types of life insurance?
There are two major types of life insurance�term
and whole life.
insurance life rate 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.
insurance life rate In 2003, about 6.4
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
variations within each type. 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. 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. The insurance
company could charge a premium that increases each
year, but that would make it very hard for most
peopinsurance life online quote term There are two
basic types of term life insurance policies�level
term and decreasing term.
What are the principal types of life insurance?
There are two major types of life insurance�term
and whole life.
insurance life rate 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.
insurance life rate In 2003, about 6.4
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
variations within each type. 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. 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. The insurance
company could charge a premium that increases each
year, but that would make it very hard for most
peopinsurance life online quote term Level term
means that the death benefit stays the same
throughout the duration of the policy.
What are the principal types of life insurance?
There are two major types of life insurance�term
and whole life.
insurance life rate 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.
insurance life rate In 2003, about 6.4
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
variations within each type. 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. 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. The insurance
company could charge a premium that increases each
year, but that would make it very hard for most
peopinsurance life online quote term Decreasing
term means that the death benefit drops, usually in
one-year increments, over the course of the
policy�s term.
What are the principal types of life insurance?
There are two major types of life insurance�term
and whole life.
insurance life rate 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.
insurance life rate In 2003, about 6.4
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
variations within each type. 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. 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. The insurance
company could charge a premium that increases each
year, but that would make it very hard for most
peopinsurance life online quote term In 2003,
virtually all (97 percent) of the term life
insurance bought was level term.
What are the principal types of life insurance?
There are two major types of life insurance�term
and whole life.
insurance life rate 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.
insurance life rate In 2003, about 6.4
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
variations within each type. 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. 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. The insurance
company could charge a premium that increases each
year, but that would make it very hard for most
peopinsurance life online quote term For more on
the different types of term life insurance, click
here.
What are the principal types of life insurance?
There are two major types of life insurance�term
and whole life.
insurance life rate 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.
insurance life rate In 2003, about 6.4
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
variations within each type. 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. 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. The insurance
company could charge a premium that increases each
year, but that would make it very hard for most
peopinsurance life online quote term 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.
What are the principal types of life insurance?
There are two major types of life insurance�term
and whole life.
insurance life rate 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.
insurance life rate In 2003, about 6.4
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
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Life insurance products for groups are different
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In 2003, virtually all (97 percent) of the term
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universal life. In 2003, about 6.4 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
variations within each type. 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. The cost per
$1,000 of benefit increases as the insured person
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