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In whole life insurance, both the death benefit and the premium are designed to stay the same level throughout the life of the policy.

They keep the premium level by charging a premium that, in the early years, is higher than what's needed to pay claims, investing that money, and then using it to supplement the level premium to help pay the cost of life insurance for older people.

The primary advantages of whole life are:

  • Guaranteed death benefits

  • Guaranteed cash values

  • Fixed and known annual premiums

Whole Life Benefits: Basics

  • Children's Life Insurance Policies
  • Whole Life Insurance Plans
  • Money-back Life Insurance Plan

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Whole Life Benefits: Opinion

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Decision-making Corner

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