Life and Health Insurance Quote
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Term life Insurance is designed to meet your temporary life insurance needs. It provides protection for a pre-determined period of time (the "term") and generally pays a benefit only if you die during the term the policy is enforced. This type of life insurance policy is often logical when you have a need for coverage that will become nonexistent at a specific point in time.
Congruently, Permanent Life Insurance offers lifelong protection. The full face amount of your policy will be disbursed as long as you pay the premiums, and no loans, withdrawals, or surrenders are taken. Since it is designed to last a lifetime, permanent life insurance policies increase in value over time, along with increased premiums.
For most people, making the decision between term life insurance and permanent life insurance is one of the most difficult aspects of purchasing a life insurance policy. There are different types of policies within life insurance, each with its own distinct advantages and conditions.
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