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Selecting The Type Of Policy
Term Life Insurance Policy provides coverage for a specific number of years. Policy's are offered for 10, 15, 20 or 30 years. These Policy's are typically guaranteed to be renewable or convertible to a permanent policy. Premiums can be guaranteed not to increase during the initial term of the Policy. Shorter initial term periods will have a smaller premium. A 10 year Term will have a lower premium than a 30 year Term. Term with Return of Premium
are regular Term Policy's that guarantee to return 100% of all premiums paid at the end of the initial term period if the Policy is not used. The monthly premium for this Policy is higher than for regular Term. The additional cost would need to be invested and earning around 8% after tax to equal the return provided by this policy. Many people use a 20 year term with return of premium to cover a 30 year mortgage. 		Universal Life is a permanent form of Life Insurance that creates cash value and earns interest. The values created within the policy receive favorable tax treatment, interest earned is tax deferred and can be accessed via policy loans tax free. Many Policy's are indexed to the S&P 500 and earn rates based on the S&P performance or you can also elect the straight interest option.
              

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