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Whole Life Insurance

When people ages 50 – 85 get this type of life insurance, it’s usually referred to as final expense or burial expense life insurance.  These policies vary from $5,000 to $35,000.  The rates for this type of insurance are locked in and don’t change once purchased.  Because those type of policies are designed for seniors, they allow people to be covered even when they have experienced some health issues.

Whole Life isn’t only for seniors.  It is permanent life insurance, which may accumulate cash value on a tax-deferred basis over time. This cash value can be borrowed against if need be. Generally, premiums remain at a fixed level for the entire length of the contract and the contract has a specified death benefit. Many people appreciate this feature, because it means their premiums will never go up, regardless of age or health, once the policy is issued; this is a particular advantage if you're young. 
This type of coverage also "locks in" your insurability as long as your insurance remains in force, which means you don't have to worry about an increase in the cost of your insurance if you acquire certain medical conditions in the future. Your coverage, your premium, and your benefit are assured.
Depending on your medical history, different companies work for different people.  To find the best life insurance company for you, it’s best to talk to a licensed life insurance agent.


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Shonda Prescott
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