{"id":6540,"date":"2015-03-03T07:09:57","date_gmt":"2015-03-03T15:09:57","guid":{"rendered":"http:\/\/add-vodka.com\/?p=6540"},"modified":"2015-03-02T10:11:25","modified_gmt":"2015-03-02T18:11:25","slug":"types-of-life-insurance-which-is-best","status":"publish","type":"post","link":"https:\/\/add-vodka.com\/types-of-life-insurance-which-is-best\/","title":{"rendered":"Types of Life Insurance \u2014 Which is Best?"},"content":{"rendered":"<p class=\"p1\"><a href=\"http:\/\/add-vodka.com\/wp-content\/uploads\/2013\/10\/dwight.jpeg\"><img decoding=\"async\" class=\"alignleft wp-image-4685 size-full\" src=\"http:\/\/add-vodka.com\/wp-content\/uploads\/2013\/10\/dwight.jpeg\" alt=\"types of life insurance\" width=\"273\" height=\"185\" \/><\/a>Just about every person who starts to think about buying life <a href=\"http:\/\/add-vodka.com\/life-insurance-101-cost-types-helpful-tips\/\" target=\"_blank\">insurance<\/a>\u00a0and the types of life insurance available generally asks the two\u00a0following questions:<\/p>\n<p class=\"p1\"><span class=\"s1\"><i>\u201cWhat type of life insurance is available?\u201d<\/i><\/span><\/p>\n<p class=\"p1\"><span class=\"s1\"><i>\u201cWhich is the best life insurance to buy?\u201d<\/i><\/span><\/p>\n<p class=\"p1\"><span class=\"s1\">The first question is easy to answer, so let\u2019s look at all the available types of \u00a0<a href=\"https:\/\/www.jrcinsurancegroup.com\/add-vodka\/\" target=\"_blank\">life<\/a> insurance.<\/span><\/p>\n<h2 class=\"p1\"><span class=\"s1\"><b>Types of Life Insurance<\/b><\/span><\/h2>\n<p class=\"p1\"><span class=\"s2\"><a href=\"http:\/\/money.cnn.com\/magazines\/moneymag\/money101\/lesson20\/index2.htm\">Life insurance<\/a><\/span><span class=\"s1\"> basically comes in two\u00a0types:<\/span><\/p>\n<ul>\n<li><span class=\"s1\"><b><a href=\"http:\/\/add-vodka.com\/15-instances-to-buy-term-instead-of-whole-life-insurance\/\" target=\"_blank\">Term<\/a> Life Insurance<\/b><\/span><\/li>\n<li><span class=\"s1\"><b>Permanent Life Insurance<\/b><\/span><\/li>\n<\/ul>\n<h2 class=\"p1\"><span class=\"s1\"><b>Term Life Insurance<\/b><\/span><\/h2>\n<p class=\"p1\"><span class=\"s1\">Many people are familiar with <a href=\"http:\/\/www.investopedia.com\/university\/insurance\/insurance8.asp\"><span class=\"s2\">term insurance<\/span><\/a> but don\u2019t realize that it comes in many formats with different names. So, let\u2019s look at these types of life insurance in more detail.<\/span><\/p>\n<p class=\"p1\"><span class=\"s1\">Term life insurance is the most basic form of policy available and also the most affordable as it covers you for death benefits only. Although term provides coverage for life, you buy it in periods of time known as terms such as for 10, 20, 30 years. It can also be bought for an age specific time such as age 65.<\/span><\/p>\n<p><a href=\"https:\/\/www.jrcinsurancegroup.com\/add-vodka\" target=\"_blank\"><img decoding=\"async\" class=\"aligncenter\" src=\"http:\/\/add-vodka.com\/wp-content\/uploads\/2015\/02\/Free_Life_Insurance_Quotes_Less_than_1_Minute.png\" alt=\"free life insurance quotes\" \/><\/a><\/p>\n<p class=\"p1\"><span class=\"s1\">You can also buy specialty term products such as a 1 year term renewable or a 5 year term which is ideal for business or SSL loans.<\/span><\/p>\n<h2 class=\"p1\"><span class=\"s1\"><b>Basic Term Life Insurance Policies<\/b><\/span><\/h2>\n<p class=\"p1\"><span class=\"s1\">Term insurance comes in three\u00a0types of policies:<\/span><\/p>\n<ul>\n<li class=\"li1\"><span class=\"s1\"><b>Level Term<\/b> \u2013 This means that the premiums you pay for a specific death penalty remain the same through the life of the term. This is the most common form of <a href=\"http:\/\/www.termlifeinsurancemales.com\"><span class=\"s2\">term policy<\/span><\/a> sold today. It&#8217;s ideal for many life insurance situations such as income replacement and <a href=\"http:\/\/www.dailyfinance.com\/2015\/01\/22\/avoid-inheriting-debts\/\"><span class=\"s2\">debt coverage<\/span><\/a>.<\/span><\/li>\n<\/ul>\n<ul>\n<li class=\"li1\"><span class=\"s1\"><b>Decreasing Term<\/b> \u2013 This policy sees a periodic reduction in your death benefits at various time increments throughout the term. Your premiums remain the same. This policy is ideal if you need life insurance for a mortgage or see a decreasing need for higher amounts of life insurance down the road.<\/span><\/li>\n<\/ul>\n<ul>\n<li class=\"li1\"><span class=\"s1\"><b>Increasing term<\/b> \u2013 This simply means that both your death benefits and premiums increase at various time increments throughout the life of the term. This type of policy is less common but can be ideal for a young family starting out on a tight budget.<\/span><\/li>\n<\/ul>\n<h2 class=\"p1\"><span class=\"s1\"><b>Other Specialty Term Policies<\/b><\/span><\/h2>\n<p class=\"p1\"><span class=\"s1\">You have possibly seen these types of life insurance policies advertised as the following:<\/span><!--more--><\/p>\n<ul>\n<li class=\"li1\"><span class=\"s1\"><b>No-Medical Exam Life Insurance<\/b><\/span><\/li>\n<\/ul>\n<ul>\n<li class=\"li1\"><span class=\"s1\"><b>Guaranteed Issue Life Insurance<\/b><\/span><\/li>\n<\/ul>\n<ul>\n<li class=\"li1\"><span class=\"s1\"><b>Funeral and Burial \/Final Expense Life Insurance<\/b><\/span><\/li>\n<\/ul>\n<ul>\n<li class=\"li1\"><span class=\"s1\"><b>Graded Death Benefits<\/b><\/span><\/li>\n<\/ul>\n<p class=\"p1\"><span class=\"s1\">The key features of these types of life insurance policies are that they do not require a medical exam and provide coverage for lesser amounts of life insurance. Although convenient to buy, we don\u2019t recommend them simply just for their convenience.<\/span><\/p>\n<p class=\"p1\"><span class=\"s1\">Many of these policies will cover you for life or are age specific such age 85 for example, so make sure you ask about how long they are in force. <\/span><\/p>\n<p class=\"p1\"><span class=\"s1\">These types of life insurance policies cost more and have less coverage because the insurer is taking a much higher risk to cover you because they have less medical information about you.<\/span><\/p>\n<p class=\"p1\"><span class=\"s1\">Some companies also have a graded death benefit waiting period where you must remain alive for a certain period of time such as 2 or 3 years before the policy will pay out benefits to your beneficiaries.<\/span><\/p>\n<p class=\"p1\"><span class=\"s1\">If you are young and healthy, we recommend that you buy a standard term policy with a medical exam because you will save a lot more money. <\/span><\/p>\n<p class=\"p1\"><span class=\"s1\">But, if you have serious health issues, need coverage immediately or only need limited coverage for final expenses, or you are elderly, then one of these types of policies might be your better option.<\/span><\/p>\n<h2 class=\"p1\"><span class=\"s1\"><b>Permanent Life Insurance<\/b><\/span><\/h2>\n<p class=\"p1\"><span class=\"s1\">These types of life insurance policies are different than term policies. They provide death benefits just like term but also have an additional feature as they also provide a cash value accumulation feature which grows throughout the life of the policy. <\/span><\/p>\n<p class=\"p1\"><span class=\"s1\">Most policies guarantee a minimum amount of interest so you might not gain as much during years when the market is prosperous, but you also don\u2019t lose as much when the market tanks.<\/span><\/p>\n<p><a href=\"https:\/\/www.jrcinsurancegroup.com\/add-vodka\" target=\"_blank\"><img decoding=\"async\" class=\"aligncenter\" src=\"http:\/\/add-vodka.com\/wp-content\/uploads\/2015\/02\/Free_Life_Insurance_Quotes_Less_than_1_Minute.png\" alt=\"free life insurance quotes\" \/><\/a><\/p>\n<p class=\"p1\"><span class=\"s1\">Another feature is that these types of life insurance policies cover you for your entire life and don\u2019t have to be renewed. <\/span><\/p>\n<p class=\"p1\"><span class=\"s1\">The final feature which they showcase is that you can also borrow against the cash value and have the option to either repay the loan or chose not to do so but simply choose to opt for your death benefits to be reduced instead.<\/span><\/p>\n<p class=\"p1\"><span class=\"s1\">Because of the cash value accumulation feature, these types of life insurance policies tend to considerably more expensive than term life insurance policies because your premiums go towards three separate areas:<\/span><\/p>\n<ul>\n<li class=\"li1\"><span class=\"s1\"><b>Death benefits<\/b><\/span><\/li>\n<li class=\"li1\"><span class=\"s1\"><b>Cash Value Accumulation<\/b><\/span><\/li>\n<li class=\"li1\"><span class=\"s1\"><b>Administration Costs<\/b><\/span><\/li>\n<\/ul>\n<p class=\"p1\"><span class=\"s1\">There are two\u00a0basic types of permanent policies which are sold in variety of hybrid formats by different insurers, but the two\u00a0basic types include:<\/span><\/p>\n<ul>\n<li class=\"li1\"><span class=\"s1\"><b>Whole Life<\/b><\/span><\/li>\n<li class=\"li1\"><span class=\"s1\"><b>Universal Life<\/b><\/span><\/li>\n<\/ul>\n<p class=\"p1\"><span class=\"s1\">Whole life is somewhat more rigid as premiums and death benefits remain the same. Also, the insurer chooses where and how the cash value accumulation portion is invested. <\/span><\/p>\n<p class=\"p1\"><span class=\"s1\">Whole life policies are offered as <i>\u201cParticipating Whole Life<\/i>\u201d which does offer you an option about the investment portion, and <i>\u201cNon Participating Whole Life<\/i>\u201d which does not offer any options.<\/span><\/p>\n<p class=\"p1\"><span class=\"s1\">Whole life policies are best used by those who aren\u2019t comfortable in managing their money and prefer others to do so on their behalf.<\/span><\/p>\n<p class=\"p1\"><span class=\"s2\"><a href=\"http:\/\/www.insuranceblogbychris.com\/universal-life-insurance-pros-and-cons\/\">Universal life insurance<\/a><\/span><span class=\"s1\"> is similar to whole life but is more flexible as you can buy policies which allow you to alter your death benefits and your premiums during the life of the policy. They also allow you to choose which investment vehicle the insurer uses to invest the cash value accumulation portion.<\/span><\/p>\n<p class=\"p1\"><span class=\"s1\">Some of the hybrid varieties of these types of life insurance policies which you might see advertised include:<\/span><\/p>\n<ul>\n<li><span class=\"s1\">Indexed Universal Life<\/span><\/li>\n<li><span class=\"s1\">Variable Universal Life (Must be sold by a licensed securities agent only)<\/span><\/li>\n<\/ul>\n<p class=\"p1\"><span class=\"s1\">Most permanent policies are best purchased by those who are high income earners, or have a significant estate, or where you have maxed out your 401(k) and other tax breaks.<\/span><\/p>\n<h2 class=\"p1\"><span class=\"s1\"><b>Which Life Insurance Policy is Best<\/b><\/span><\/h2>\n<p class=\"p1\"><span class=\"s1\">There\u2019s no easy answer for this because the needs for each person and family is different. <\/span><\/p>\n<p class=\"p1\"><span class=\"s1\">Before you decide among the types of life insurance, we highly recommend that you take the time to learn more by speaking to an independent agent such as those here at <a href=\"https:\/\/www.jrcinsurancegroup.com\/add-vodka\/\"><span class=\"s2\"><b>JRC Insurance Group<\/b><\/span><\/a> because we can help you decide and explain what you need to know.<\/span><\/p>\n<p class=\"p1\"><span class=\"s1\"><em>This post is written by Chris Huntley, a licensed life insurance agent in 48 states. He is director of marketing at <a href=\"https:\/\/www.jrcinsurancegroup.com\/\" target=\"_blank\">JRC Insurance Group<\/a> and blogs about life insurance at\u00a0<a href=\"http:\/\/www.insuranceblogbychris.com\/\" target=\"_blank\">InsuranceBlogByChris.com<\/a>.<\/em> <\/span><\/p>\n<p><a href=\"https:\/\/www.jrcinsurancegroup.com\/add-vodka\" target=\"_blank\"><img decoding=\"async\" class=\"aligncenter\" src=\"http:\/\/add-vodka.com\/wp-content\/uploads\/2015\/02\/Free_Life_Insurance_Quotes_Less_than_1_Minute.png\" alt=\"free life insurance quotes\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Just about every person who starts to think about buying life insurance\u00a0and the types of life insurance available generally asks the two\u00a0following questions: \u201cWhat type of life insurance is available?\u201d \u201cWhich is the best life insurance to buy?\u201d The first question is easy to answer, so let\u2019s look at all the available types of \u00a0life &hellip;<\/p>\n","protected":false},"author":18,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[241],"tags":[251,255],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Types of Life Insurance \u2014 Which is Best?<\/title>\n<meta name=\"description\" content=\"The types of life insurance available can be overwhelming, but we offer a synopsis of each to help consumers find the best insurance for their needs.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/add-vodka.com\/types-of-life-insurance-which-is-best\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Types of Life Insurance \u2014 Which is Best?\" \/>\n<meta property=\"og:description\" content=\"The types of life insurance available can be overwhelming, but we offer a synopsis of each to help consumers find the best insurance for their needs.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/add-vodka.com\/types-of-life-insurance-which-is-best\/\" \/>\n<meta property=\"og:site_name\" content=\"PF Simplified\" \/>\n<meta property=\"article:published_time\" content=\"2015-03-03T15:09:57+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2015-03-02T18:11:25+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/add-vodka.com\/wp-content\/uploads\/2013\/10\/dwight.jpeg\" \/>\n<meta name=\"author\" content=\"Aaron\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Aaron\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" 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