Life Insurance

In its simplest form, life insurance is a promise between an insurance company and the policy holder. If you pay a certain amount of money (premium) to the insurance company, the insurance company will pay a certain amount of money (death benefit) to the person (beneficiary) whom you designate when the person whose life is being insured dies.

There are many types of life insurance:

- Term insurance only provides a death benefit for a limited period of time.

- Permanent insurance can provide a death benefit and the potential to build policy cash value that you can access over your lifetime through policy loans and withdrawals



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