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Term Life Insurance: This is the simplest and most affordable type of life insurance. It provides coverage for a specific period, typically 10, 20, or 30 years. If the policyholder dies during the term, the beneficiaries receive a death benefit. However, if the policyholder survives the term, no benefit is paid.
Whole Life Insurance: This type of insurance provides coverage for the entire lifetime of the policyholder. It combines a death benefit with a cash value component that grows over time. Whole life insurance offers lifelong protection and can accumulate cash value that can be borrowed against or withdrawn during the policyholder’s lifetime.
Universal Life Insurance: Similar to whole life insurance, universal life insurance offers a death benefit and a cash value component. However, it provides more flexibility in premium payments and death benefit amounts. Policyholders can adjust their premiums and the death benefit according to their changing needs.
Variable Life Insurance: This type of insurance allows policyholders to invest their premiums in various investment options, such as stocks, bonds, or mutual funds. The cash value and death benefit of the policy fluctuate based on the performance of the chosen investments.
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