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- What Life Insurance - home
Life Insurance Information website is a free, non-biased resource that contains many valuable insights to the types of life insurance, including term life insurance, whole life insurance, universal life insurance, universal variable life insurance and variable life insurance.
- Life Insurance
Life insurance is becoming more and more part of everybody's financial plan. There are many types of life insurance policies to choose from.
- Term Life Insurance
Term life insurance is by far the most common form of life insurance policy. Why? Because term life insurance is cheap compared to other types of life insurance policies.
- Term Life
Term life insurance is the second most basic type of life insurance. Term life insurance is the cheapest type of life insurance. Some life insurance companies offer very cheap term life insurance policies.
- Cheap Term Life Insurance
Cheap term life insurance policies are common. Term life insurance policies are generally cheap compared to other types of life insurance policies. However, cheap term life insurance vary widely from one insurance company to the next.
- Whole Life Insurance
Whole life insurance is another type of traditional life insurance. Unlike Term life insurance which covers an insured for a fixed period of time, a whole life insurance policy covers a person for his or her whole life.
- Whole Life
Whole life insurance is a permanent life insurance coverage designed to pay a lump sum upon death. In the past, whole life insurance policies are more popular than term life insurance policies because of the life coverage nature of whole life insurance policies.
- Universal Life
A universal life insurance policy, along with the variable universal life insurance policy, is a newer type of life insurance than the traditional term life insurance or whole life insurance.
- Life Insurance Companies
Finding the right life insurance companies can be a difficult task. There are many well spoken for life insurance companies around.
- Types of life insurance
There are many different types of life insurance. Each of the different types of life insurance has it's own unique set of strengths and weaknesses.
- Compare Life Insurance
If you are considering purchasing any types of life insurance policies, you should compare life insurance products available to you. When you compare life insurance products, some understanding of how life insurance works will come in handy.
- Permanent Life Insurance
Permanent life insurance is very different from term life insurance. It is important that you compare life insurance products that you are interested in purchasing before you sign up.
- Outliving Your Retirement
Almost every working person in America is, in some way, planning for retirement. Most of us are aware that traditional sources of retirement income, such as Social Security or an employer-sponsored pension, probably will not fully fund our retirement as they did for past generations.
- Suitability Analysis
Annuities and life insurance products all have their advantages and disadvantages. While they may help some people achieve thier goals and meet their various needs, others may find these products undesirable for their particular needs.
- Fixed Annuities
Fixed Annuities are Tax-deferred retirement contracts issued by insurance carriers that pay a guaranteed interest rate (for a certain period) declared by the carrier.
- Variable Annuities
Variable annuities allow the investor to select from a family of variable portfolios (similar to mutual funds) that include both equity and fixed income alternatives.
- Immediate Annuities
Immediate Annuities are issued by insurance carriers and are designed to provide a stream of immediate income for life, or for a fixed time period.
- LTC Insurance
Long Term Care and Disability Insurance provides reimbursement of nursing home costs or income in the event of disability. Benefits (if funded by after-tax dollars under a qualified policy) are generally tax-free.
- Single Premium Variable Life
A Single Premium Variable Life Insurance policy is an insurance policy purchased with only a single premium allowing the investor to allocate cash value among a selection of variable portfolios.
- Universal Life Insurance
Universal life insurance and Whole Life insurance policies are structured similarly to Single Premium Variable Life Insurance (SPVLs) and Variable Universal Life Insurance (VULs) but have returns based on interest rates declared by the insurance carrier.
- Variable Universal Life
Variable Universal Life insurance contracts are structured similarly to Single Premium Variable Life Insurance (SPVLs) and share the same tax advantages but are paid for in a number of annual contributions.
- Dollar Cost Averaging
Dollar cost average refers to the process of systematically investing a smaller amount of money (instead of investing a lump sum) periodically.
- Insurance Terms
Insurance Terms & Definitions.
Tax Free Exchange
Under Section 1035 of the Internal Revenue Code it is possible to exchange an annuity or a life insurance policy without it being recognized as income. (“A 1035 Exchange”) Instead, the cost basis in the old policy will be carried over to the new policy.
Types of Annuities
There are many different types of annuities and financial institutions and life insurance companies are constantly introducing new types of annuities. However are there four main different types of annuities:
- Compare Annuities
It is important that you compare annuities available on the market before you choose one. Annuities are long term investments and it is very difficult to get out of an annuity once you have bought one.
- Rising Interest Rates
Treasury-Linked Annuity (T-Link) combines the guarantees of a fixed annuity with the opportunity for growth – based on the U.S. Treasury Constant Maturity 5-year rate (5-year U.S. Treasury rate).
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