Different Types Of Whole Life Insurance – There are several different types of life insurance policies. Life insurance policies can be simple or extremely complex. Much of this is a function of the type of policy and its performance.
Life insurance policy can be divided into two broad types of life insurance categories – term life insurance and permanent life insurance.
Different Types Of Whole Life Insurance
Term life insurance provides life insurance protection for a specific period of time (or term). The purpose of permanent life insurance is to provide life insurance protection for the life of the insured.
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In this article we will discuss the different types of life insurance and provide an overview of how each policy works.
Term life insurance is one of the simplest types of life insurance products available. It is widely used by families who want to provide family protection for a period of time.
As with all fully underwritten life insurance coverage, premiums are based on the age and health of the individual at the time they apply for the insurance coverage.
When applying for coverage, the policyholder decides the length of coverage. The most common life insurance policies are:
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Premiums are guaranteed according to the chosen range. The longer the term, the more expensive the premium. As long as the premiums are paid on time, the carrier will pay the death benefit.
Unlike permanent life insurance, term life insurance does not accumulate cash value. The best analogy for term life insurance is that it is like renting a house. You pay rent for a period of time, but you have no equity.
Premiums are guaranteed not to change over time. For example, the $445 annual premium offered by Company A is guaranteed for 10 years. Annually the premium will be $445. However, if the insured requires coverage in year 11, the premium may increase significantly.
If you need coverage beyond the selected range, the provider will allow you to continue the coverage. However, premiums go up and up every year.
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Most term life insurance policies allow the policy owner to convert the coverage into permanent life insurance. The conversion must be a permanent policy issued by the same company where the term life insurance is located.
The advantage of conversion is that it does not require you to go through the underwriting process again. They will create a permanent policy using the health department rating you received when the life insurance policy was originally issued. This will benefit the insured who has undergone changes in his health.
Conversion of term life insurance can only be done during the term or before a certain age. Every life insurance policy will include a maximum conversion age in the policy contract. This is usually age 65, 70 or 75.
If you buy a 30-year term policy at age 50 and can convert up to age 75, you can only convert the cover within the first 25 years of the policy.
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Most carriers offer term insurance conversion, but not all. Some carriers will limit which fixed product you can convert to. The price tends to be higher than their other term life insurance products.
Permanent life insurance is designed to provide coverage for the entire life of the insured. A permanent life insurance policy is a more expensive type of life insurance than term life insurance. Unlike term insurance, permanent life insurance allows the policyholder to build cash value (or equity) within the policy.
Permanent life insurance policies come in the form of two types of life insurance: whole life insurance and universal life insurance.
Permanent life insurance is different from term life insurance because permanent life insurance has a cash value. Cash value is the equity within your life insurance policy. You can use policy cash values to take policy distributions tax-free or offset future insurance costs.
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Whole life insurance is a type of life insurance that provides protection and guaranteed premiums throughout the life of the insured, as long as the premiums are paid. Whole life policies also build cash value.
Whole life insurance policy guarantees are based on guaranteed dividend payments and guaranteed mortality payments. Whole life insurance dividends are a portion of the carrier’s income paid to policyholders. Current dividend rates may be higher than the guaranteed dividend rate, providing additional benefits to policy holders.
Whole life insurance policies with guaranteed dividends tend to have higher premiums. Whereas a whole life insurance policy that accounts for a current dividend rate may have lower premiums.
Additional benefits may include paid add-ons (PUA). Supplemental payments are added to the basic death benefit. Dividends can also be used to offset future premium payments or distributed directly to the policyholder.
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Premium payments for whole life insurance policies offer little flexibility. Defaulted premiums can result in policy loans that can have a negative impact on policy performance.
Level Premium (or Level Pay) Life Insurance is the most common form of whole life insurance. A whole life insurance policy requires the policy owner to pay the premiums for the life of the insured. This type of policy usually has guaranteed and non-guaranteed features.
The guaranteed performance is based on the guaranteed dividend rate and the guaranteed mortality. The guaranteed dividend rate is the minimum dividend rate that the provider is obligated to pay. The guaranteed mortality is the maximum amount a carrier can charge for expenses.
Non-guaranteed rates are based on the carrier’s current or actual dividend rate. The non-guaranteed rate cannot be lower than the guaranteed rate.
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Here we have two sets of columns. The first set is the guaranteed columns. These columns are guaranteed by the life insurance company. Until the annual premium of $13,570 is paid, beneficiaries will receive at least a $1 million death benefit. This is the worst case scenario.
The second set of columns are non-guaranteed assumptions. The non-guaranteed projections are based on the provider’s current non-guaranteed dividend rate and current mortality rates.
If the non-guaranteed split rate falls below 5.75 percent, the non-guaranteed projections will be lower. The performance of the policy will be better if it is higher.
If the policy continues to operate based on non-guaranteed assumptions, the policyholder may be able to use cash amounts to recover or pay future premiums. Doing so will result in a smaller death benefit and policy cash value. However, the policyholder does not have to pay future premium payments.
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You will notice at age 80 the non-guaranteed cash value is $755,229 more than the guaranteed cash value. That year, the non-guaranteed death benefit was over $2 million.
If the non-guaranteed dividend rate decreases, it will only affect the non-guaranteed cash value and death benefit. Guaranteed amounts will not change if premium payments continue to be made on time.
Nothing has changed in the guaranteed columns. However, the predictions in the alternative columns are reduced compared to the current non-guaranteed dividend rate.
At age 80 the expected cash value of the policy is about $250,000 less in the alternative columns compared to the current unguaranteed columns. The death benefit is almost $350,000 less.
Term Vs. Whole Life Insurance: How To Know Which One You Need
Limited annuity whole life insurance works the same way as whole life insurance. The biggest difference is that premiums are paid for a shorter period of time.
Most policies that offer a limited annuity require you to do so when the policy is opened. Products that offer a limited salary usually require you to do this as:
Limited salary whole life insurance premiums are higher than whole life insurance. But the premiums are paid for a shorter period. Over the life of the policy, the total cost is likely to be lower with a limited-payment life policy.
Here is an example of the same 40 year old man from our previous example. The only difference is that we pay the premiums for 10 years and not for the life of the insured.
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If you use the same policy from the Lifetime Whole Life Insurance example, you will see the premium increase from $13,570 per year for life to $31,590 per year for 10 years. On paying the 10th premium, the policy is guaranteed for the life of the insured.
Since more money is contributed to the policy in the early years, the guaranteed and non-guaranteed performance of the policy is higher than the payout over the life of the policy.
Guaranteed and non-guaranteed discounts work the same way as a Level Pay Whole Life insurance policy. The biggest difference is the number of years the premiums are paid.
Universal life insurance allows you to create a cash value (like a whole life insurance policy) and includes flexible premium payments and death benefits.
The Facts Of Life (insurance)
One of the biggest differences between whole life and universal life is flexible premium payments. You can control the frequency and amount of premium payments.
Another difference is the policy’s cash value is based on a credit rate and not a dividend rate. How the credit rate is determined varies depending on the type of universal life insurance policy you use.
The amount and time of premium payment has a direct impact
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