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These are policies with an expiry date. They’ll cover you for a set period. When that period expires, so does the policy. These policies are less expensive, the downside being that you’re betting you’ll die before the policy expires
This policy pays out on death. As long as you keep paying your premiums, your cover remains in effect. The premiums are more expensive because the policy will, at some stage, pay out. These policies may accrue a cash value too.
This policy is similar to the whole life one except that it’s more flexible. You can opt to adjust premium payments, death benefits, and so on. On the flip side, this policy is more expensive than term insurance. It’s also a complex policy.
This policy is for those who are not sure they can pass an insurer’s physical. With these policies, you don’t have to have a physical. Naturally, you’ll pay for that privilege.
Individual premiums are the type you’re most likely to encounter. Here only the personal circumstances of the insured are considered.
Group policies offer benefits for a particular segment at a lower rate. Companies are essentially offering a bulk discount. They can do this because many members of the section will take up the policy.
These policies cover the amount of your debt if you die. They are pricey because they decrease in value alongside your loan amount. Ceding a whole life insurance policy is often a more cost-effective way to cover your debt.