Whole Life InsuranceWhole life insurance is a type of life insurance policy that provides coverage for the policyholder's entire lifetime, as long as the premiums are paid. It is also known as permanent life insurance, as opposed to term life insurance, which only provides coverage for a specified period of time.
Whole life insurance policies typically have a guaranteed death benefit, which means that the policyholder's beneficiaries will receive a payout when the policyholder dies, regardless of how long the policy has been in effect. Additionally, whole life insurance policies have a cash value component, which accumulates over time and can be accessed by the policyholder during their lifetime. The premiums for whole life insurance policies are generally higher than those for term life insurance policies, but they remain level throughout the life of the policy, and can never be increased. Some whole life insurance policies also allow policyholders to pay premiums for a shorter period of time, such as 10 or 20 years, while still maintaining coverage for their entire lifetime. |
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