Life insurance generally comes in two forms: term and permanent. The primary difference between these two is that term provides coverage for a specified period of time and permanent lasts for a designated lifetime. Term life insurance can be simplified or level and other life insurance can be whole or universal.
Premiums, cash-value building, and coverage vary according to different forms of life insurance. Life insurance policies cover almost any living expense, including college tuition, rent, and investments.
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Consider adding some policy options to your coverage.