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Who Buys Whole Life Insurance Anyway?
61 CommentsSo who buys whole life insurance anymore? Well, maybe you should think about it. Whole life is the tradtional form of insurance, and is also known as straight life. Nowadays, it is more fashionable to buy term life insurance because, of course, it is much cheaper? Why is it cheaper? Well, it is cheaper because you are basically renting life insurance for a period of time. And that period of time will be a period in which an insurance company expects you to survive. Once the term is over, youare done. You have spent your money on premiums, and your insurance is expired. With few exceptions, your policy has no value after it ends. That is, of course, why term life insurance is cheaper.
Term life insurance may be a good solution for a younger family who expects to need higher amounts of coverage for a period of time from 10 to 30 years. Maybe that is the period they are paying off their home, or the amount of time they expect children to depend upon their income for their needs and education.
However, for many people, whole life insurance is still a great consideration. If you purchasing a child’s life insurance policy, it will usually be very inexpensive anyway. Why not give them the gift of cheap, lifetime life insurance You can find whole life insurance policies that will be paid up over a period of time, instead of a policy that will just expire. The rates of whole life policies usually never increase, and no matter how old the child gets, they will have life insurance at a child’s rates. Also, the life insurance will actually grow a cash value! This policy is an asset that can be cashed in or borrowed against.
If you are concerned about funeral expenses or settling depts for a senior citizen, this is usually called final expense insurance. Final expense insurance is nothing more than a smaller face value whole life insurance policy. By small face value, these policies are often purchased to provide a $5,000 to $15,000 death benefit. This amount covers the cost of many funerals, plus provides some extra cash to pay for transportation, settle debts, etc. What is more, this death benefit comes without a tax most of the time!
 Because of the smaller face value, the whole life insurance is usually issued with very compares mejor. few health questions. Some types of guaranteed or graded life insurance policies are issued with no health questions.  For a senior citizen on a limited income, and who may have trouble qualifying for larger insurance policies because of health or age, these are a great way to plan for a funeral and to leave their family with a little money to remember them with.
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Technorati Tags: whole life insurance, senior life insurance policy, child life insurance policy, final expense life insurance, free whole life insurance quote
Published on October 11, 2007 · Filed under: Whole Life;
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