Whole Life Insurance
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Permanent life insurance plans are life insurance plans in which the coverage remains constant until death, regardless of age. Many permanent plans are designed to grow cash value that can be tax-deferred. Whole Life insurance plans are ideal for people who think they will want to have life insurance in place for their entire lives.
Stepped Premium Insurance
These life insurance plans offer a premium based on your age, which is recalculated, generally annually, based on your age and health.
Life Term to 100 Insurance
These plans are paid until the age of 100, but the coverage lasts for a lifetime. As with level premium insurance, payments never increase as you age. These plans also provide a tax-free cash benefit to the designated beneficiary upon the insured’s death.
Universal Life Insurance
Universal life insurance is a life insurance plan that is combined with investment options for growing savings. Any deposits into the account beyond the payment amounts are invested or used to increase the guaranteed death payout to the assigned beneficiaries.
Level Premium Insurance
Whole life insurance plans have a set premium that remains constant until death, with a higher starting premium than stepped premium insurance plans, but with a high potential for overall savings as you age.
Hybrid Life Insurance
Hybrid life insurance combines long-term care coverage with typical life insurance. If the insured dies before requiring long-term health care, the money saved towards it goes to their beneficiaries, but if they do require long-term health care, the money can be used to pay for it.
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