Life Insurance Durham NC - 33 Secret Tips To Not Get RIPPED OFF Hey there, it's Tripp, better known as the Life Insurance Whiz. So I see you're hunting for "life insurance durham". Before you make another click, run over to http://www.LifeInsuranceSecretReport.com and snag my FREE, easy to read, 16pg report exposing "33 Secret Tips You MUST Know about Life Insurance to Avoid Getting Ripped Off".Because chances are, up until now, you've...more
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When you own cash value life insurance, your premium payments are allocated three ways. First, a portion of each premium pays for the actual insurance costs. Like term insurance, a specific cost is associated with the policy's death benefit, based on your age, health, and other underwriting criteria. Second, a portion pays for the insurance company's operating costs and profits. The remainder goes toward the policy's cash value.What is cash value?Term insurance charges an increasing premium (annually or in bands) to reflect the fact that the insured is aging and, each year, more likely to die. Cash value life insurance has a level premium that is larger than necessary in the early years of the policy to offset the increased costs of insuring the individual in the later years. This excess premium is invested and kept in an account known as the cash value account. In the event that you surrender the policy before death, this excess premium and its earnings are returned to you.Cash value, by any other name . . .Since cash value life insurance, also known as permanent life insurance, comes in many product varieties, people often get confused. Whole life, variable life, universal life,...more
Which type of life insurance is better--term or cash value? Insurance buyers have been asking this question for generations. When choosing between these two fundamentally different alternatives, you'll need to think about the amount of coverage you need, the amount of money you can afford to spend, and the length of time you need the coverage to...more
Universal life insurance is a type of permanent life insurance that allows policyowners to decide how much premium to pay (so long as stated minimum costs are met), when to pay premiums, how much the death benefit will be, and more. Learning about the following features of a universal life insurance policy will help you decide whether this is the...more
If you want the assurance of a death benefit and level (unchanging) premium payments for the life of your policy, coupled with the possibility of enhancing your death benefit through the use of investments, then variable life insurance may be the answer you're looking for. You don't need to worry about monitoring the amount of money in your policy. Your coverage remains in force so long as you pay your premiums. On top of that, you have the chance to build additional benefits in a tax-deferred separate account.How a variable life insurance policy worksAlthough other types of whole life and universal life insurance policies offer a (relatively) low return on your cash value account, a policy with a variable account has the potential for greater appreciation. Here's how a variable life insurance policy works: Each time you make a premium payment, the insurance company deducts its sales and administrative expenses related to your policy. The remainder of the money is credited to a cash value account from which the company deducts its monthly costs for insuring your life. Your cash value is placed into an account separate from the insurance company's general account.You can choose from...more
Variable universal life insurance is among the most flexible products on the market today. It is permanent insurance that provides guaranteed lifetime protection, combining the adjustable premium and adjustable coverage of universal life with the...more
Cheap Life - Life Insurance for Seniors Steadily increased the number of Americans over 55 years as the baby boomers in this age group. In addition, more and more people are living longer. These trends have caused the price of life insurance,...more
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Whole Life Insurance Advantages and Benefits Most of the time to discuss, insurance advisor for life-like. As always purchased only for a specified period or long term, the premiums are lower. For this reason, many workers probably think that...more
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