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about existing policies. Your Life Insurance Options
It's important to consider your individual needs and life situation as you decide what form of life insurance is best for you. There are a range of insurance options and possibilities, including:
Term Life
Insurance
Permanent Life Insurance
Whole Life Insurance
Universal Life Insurance
Variable Life Insurance
Survivorship Life Insurance
Mortgage Life Insurance
Group Life Insurance
Association Group Life Insurance
Mail Order Life Insurance
Child Life Insurance
Key Man Life Insurance
Online Life Insurance
Life Insurance for Police
Military Life Coverage
Adult Life Insurance
College Student Plans
Life Insurance for Teens
Coverage for Smokers
Life Insurance for Families
Men's Life Insurance
Life Insurance for Teachers
Term Life Insurance: A temporary form of life insurance with guaranteed premiums, term life insurance pays a benefit amount you choose. It offers the lowest initial premium expense, but over time this can increase significantly, which is why it's recommended only for a short period of time. You can often covert term life into permanent life insurance. Read more about term life insurance.
Permanent Life Insurance: Offers fixed premiums and guaranteed cash values, which are accumulated as a result of your premiums. Some may even pay policy dividends. While the premiums are higher than the initial amount of term insurance, over time the whole life insurance cost may be lower. Read more about permananet life insurance.
Learn More: Term Life vs. Whole Life Insurance -- What is the Difference?
Whole Life Insurance: A form of permanent life insurance, whole life insurance provides lifetime protection for as long as the premiums are paid. The cash account premium of whole life insurance can be used as a form of savings, which policyholders can borrow against or withdraw. Read more about whole life insurance.
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Universal Life Insurance: A type of permanent life insurance, allows you the flexibility to adjust your premium payment and increase or decrease your death benefit as your needs change. Read more about universal life insurance.
Variable Life Insurance: A nother type of permanent life insurance that is a pure investment policy. As such is much more expensive than the other types, but it gives the policyholder complete control over his or her investment portfolio. Read more about variable life insurance.
Survivorship Life Insurance: A form of permanent insurance protection in which two lives (usually spouses) are insured under one policy. The death benefit is paid upon the death of the second insured. Read more about survivorship life insurance.
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Mortgage Life Insurance: Will cover the remainder of your unpaid mortgage debt plus any interest, in the event of your death during the life of the policy. You can choose the number of years that the policy will be in effect and the level of coverage that you need. Read more about mortgage life insurance...
Group Life Insurance: Offered to people who share a qualifying characteristic or membership. Most often they are offered by employers to employees and are good only for as long as you work for your employer. Read more about group life insurance...
Association Group Life Insurance is like standard group life insurance, but is only offered through membership of an organization. As with standard group life, these policies are only good for as long as you maintain your membership. Read more about association group life insurance...
Mail Order Life Insurance. Offering premium coverage at an extremely affordable cost, mail-order life insurance can seem like a worthwhile option for those without life insurance who cannot qualify for a standard policy or who have only small personal policies. However, mail-order insurance carries great risks. Read more about mail order life insurance...
Child Life Insurance. Buying a life insurance policy for your child, while seemingly a good idea, is not always financially practical. In the event of a child's death, there would be an output of money for funeral costs, but these costs alone are often not worth taking out a policy. Read more about child life insurance...
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