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Life Insurance
Top features of Term life insurance
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[QUOTE="Augusta, post: 294117, member: 25283"] When thinking of taking out life insurance, you might need the one that pays the heirs of the insured throughout a specified period of time. The insurers know this and have such convera which is named Term life insurance. So term life insurance which can also be called pure life insurance, is a kind of death benefit pays for a specific period of time .So what are the top features of Term insurance policy Death benefits at a specific time one feature of Term life insurance is that payment of the writen death benefit to the insured's beneficiaries is at if specified term. At the expiration, the insured have the option of either renewing it for another term or go with the option of converting the policy to permanent coverage. Only value of guaranteed death benefit The insured taking out term insurance policy only enjoy guaranteed death benefits. This policy has no option for savings component which the permanent life insurance policy has. Premium influence factors With Term life premiums come influences based on different factors which includes the insured age, health, and life expectancy. It has specific period of time Depending on the insured he or she can buy term life policies that last for about 10, 15, or 20 years as the case may be. [/QUOTE]
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