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The following article was published in our article directory on January 9, 2012.
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What are the Different Types of Life Insurance Policy?

Article Category: Finances

Author Name: Eric Smith

If you are thinking of getting life insurance, then it is advisable for you to become familiar about its different types. This will allow you to pick the most suitable policy for you. Included among the most popular types of life insurance policies are the following:

1. Term Life Insurance. This is known to be one of the most inexpensive types of insurance. If you take this policy, then expect it to cover you for a limited period of time. The coverage may be five, ten, fifteen, twenty, twenty-five or thirty years. If you die within your chosen term, then you can expect your family to get the insurance amount in whole. If you are still alive at the end of your chosen term, then the policy will be terminated. The good thing about this is that it is available for renewal.

2. Whole life coverage. This is a permanent insurance which combines an investment or savings fund with a life coverage. This type of coverage permits your family to get a fixed insurance amount upon your death. If you decide to buy this policy, then you should know that you will be required to make fixed premium payments all throughout the insurance policy's life. The life of the policy continues until you reach the age of 100. A specific portion of your premium is used in accumulating cash value or investment fund. This cash value will grow based on an agreed minimum rate of return.

3. Variable Universal Policy. An advantage of this type of policy is that you will be getting death benefit and premium flexibility. It also offers you more options for investment. It gives you the opportunity to choose which among the investment vehicles you should use in saving a specific portion of your account. You can also expect this policy to offer you tax advantages.

4. Survivorship Life Policy. This is also otherwise called second-to-die life policy. This coverage is offered either as whole-life or universal coverage and is designed to pay an insurance amount at the later death of two individuals. This is perfect for married couples.

5. Endowment Policy. This is something that you should pay within a specific period of time. The maturity period will be dependent upon your goals. These goals may include college education, overseas trip, retirement planning and the marriage of your child. You can also expect to get the return on your investment if you are still alive at the end of the term. If you are contemplating of buying this type of insurance, then you have to remember that it requires you to pay higher premiums so you have to make sure that you are prepared for it.

6. Universal Policy. This type of life insurance is a bit similar to the whole life coverage. The only difference is that the universal policy allows you to enjoy more perks. Just like the whole life coverage, the universal policy also covers your entire life. The benefit that you can expect to receive from this policy is more flexibility in terms of paying for your premiums. You are also given the chance to invest a portion of your insurance in stocks and bonds.

Keywords: life insurance quotes, life insurance

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