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Discussion: Life Insurance
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blackrootseed |
Life Insurance
Aug 26 2008, 3:01 PM EDT
The owner can access the money in the cash value by withdrawing money, borrowing the cash value, or surrendering the policy and receiving the surrender value. It is also very commonly offered as " accidental death and dismemberment insurance ", also known as an AD D policy. However, viatical settlements ensure that such policies will with absolute certainty be paid out. In the meantime, the purchaser continues to pay the premiums. Even if you end the coverage early, you still get a portion of your premiums back. Modified whole life is a whole life policy that charges smaller premiums for a specified period of time after which the premiums increase for the remainder of the policy. [ edit ] Temporary (Term) Term life insurance or 'term assurance' provides for life insurance coverage for a specified term of years for a specified premium .
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