Life
Insurance
In its simplest form, life insurance is a promise between an insurance company and the policy holder. If you pay a certain amount of money (premium) to the insurance company, the insurance company will pay a certain amount of money (death benefit) to the person (beneficiary) whom you designate when the person whose life is being insured dies.
There are many types of life insurance:
- Term insurance only provides a death benefit for a limited period of time.
- Permanent insurance can provide a death benefit and the potential to build policy cash value that you can access over your lifetime through policy loans and withdrawals
Permanent insurance can also offer the flexibility to increase or decrease your death benefit as your needs change. as well as the possibility of reducing or omitting the payment of premiums.
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