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Life Insurance in Plano

life

No one wants to discuss the possibility of the unexpected death of the breadwinner in the family. However, it’s no secret that having Life Insurance (Allen, TX and Plano, TX) is absolutely essential when you’re caring for a family. Living without having a set Life Insurance policy is like taking the seat belts out of the family car.

The Term life Insurance Plan vs. The Permanent Life Insurance Plan

A good option in maintaining a low premium is setting up a Term Life Insurance Plan. A Term Life Insurance Plan is a Life Insurance plan that covers an individual for a set period of time. Professionals in the insurance business recommend that individuals purchase term life insurance plans to cover one until they retire. Contrary to a Term Life Insurance Plan is a Permanent Life Insurance Plan. The Permanent Life Insurance Plan covers an individual throughout their entire life. Permanent Life Insurance Plans come in three varieties.

The Whole Life Insurance Plan

First, there is the Whole Life Insurance plan, in which premiums remain the same throughout your entire life. These types of policies also tend to increase in value the longer they are kept.

The Universal Life Insurance Plan

Second, there is the Universal Life Insurance plan, in which the benefits can be increased and decreased, and along with the benefits, the premiums will be increase and decrease. This offers more flexibility to those who have elastic incomes.

The Variable Universal Life Insurance Plan

Third, there is the Variable Universal Life Insurance plan. This type of plan allows the policy holder to place the cash value to be placed into a variety of investment accounts.

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