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Burial Life Survivorship Term Life Universal Variable Whole Life

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Easy to understand Life insurance Policy Information

InsureNetUSA happily provides easy to understand descriptions for the following types of insurance: Burial Life, Survivorship Life, Term Life, Universal, Variable, and Whole Life Insurance.
We are dedicated to guiding you to the best Life Insurance available and hope that we have shed some light on the assorted and often confusing life insurance policies. Find brief yet informative and descriptive definitions of the types of life insurance we feature on InsurenetUSA to help make the decision process a little easier!

Easy to understand Policy Information

Burial Life Insurance:
Known commonly as final expense life insurance. It is designed to be conveniently purchased without the required medical exam
or complex questionnaire often required with some forms of insurance. Applications can be completed over the phone, only a
few health questions are asked and no home visit is ever required. This type of policy is ideal where the primary concern is the
payment of final expenses such as Medical Bills, Funeral Expenses, Outstanding Debts, and Administrative Expenses.

Features of Burial Life Insurance:

Premiums never increase.

Your death benefits never decrease.

As long as premiums are paid your policy can't be canceled.

There is an accumulating cash value; available for emergency expenses.

You can receive up to 50% of the benefit early if diagnosed with a terminal illness.

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Survivorship Life Insurance:
This policy pays death benefits upon the death of the surviving member of two insured individuals, usually husband and wife. Payment
becomes available at the second death when estate tax and estate settlement costs may cause an excessive financial burden.
Survivorship Life Insurance can protect family estates such as real estate, property, family farms and other hard assets from liquidation.

Due to a bill enacted in the early 80's estate taxes can be postponed until the death of the second spouse. Survivorship policies are
generally designed to offset the ridiculous cost of estate taxes, which can reach levels as high as 55 percent!

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Term Life Insurance:
Term Life Insurance is perfect for families who need protection, but need low monthly payments.

It is the lowest cost and simplest available.

If the insured survives the time period, the policy expires.

The death benefit is payable if death occurs during the agreed-upon term.

Is a life insurance contract that provides protection for a limited number of years.

Works well as protection against debts such as mortgages, auto loans or education loans.

Term is basically designed to provide a maximum amount of protection for a temporary period of time.

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Universal Life Insurance:
This policy is like a combination of Term Life Insurance protection with cash savings values similar to Whole Life Insurance. Designed
with flexibility in mind, premiums can be paid in a lump sum or yearly. Interest on the cash value is usually guaranteed, but will vary
according to the investment performance. The key to any form of Universal Life is that it's interest-sensitive and allows for an adjustable
death benefit.

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Variable Life Insurance:
Variable life Insurance combines the protection features of life insurance with the investment potential of common stocks. This policy
does provide a minimum guaranteed death benefit, but the actual benefit could be higher depending upon the performance of the
investment chosen. Because it does rely upon the stock market’s growth, the cash value also fluctuates. There are no absolute
guarantees to the amount of the end cash value. Unlike universal life, the premiums paid are fixed. There are policy provisions that
allow loans to be made from the cash value.

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Whole Life Insurance:
Whole life provides a death benefit and an accumulating cash value. The premiums don't increase with age, which averages the
cost of the policy over your life. The cash value increases with time until it equals the death benefit at age 100. Whole life is also
known as Ordinary (or Permanent) life insurance. This type of policy never has to be renewed or converted. The cash value is an
amount of money that you are guaranteed to receive in the event of policy cancellation. You also have the right to borrow against the
cash value on a loan basis.

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Burial Life Insurance
What is it?
Buyers Guide

Survivorship Life Insurance
What is it?
Buyers Guide

Term Life Insurance
What is it?
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Universal Life Insurance
What is it?
Buyers Guide

Variable Life Insurance
What is it?
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Whole Life Insurance
What is it?
Buyers Guide

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