How To Save Money And Get Discount Life Insurance In Arizona
Before you can think about saving money on your life insurance, make sure you know what you need. Life insurance is not like bargain shopping. Buying cheap life insurance that does not adequately cover your needs will do your beneficiaries no good. In addition to undergoing grief caused by the loss of a loved one, now they are financially challenged too.
If youre looking for a less expensive alternative when it comes to life insurance, term life is the way to go. Its a basic insurance policy purchased for a period of time. The time is usually between 1 and 30 years. The one caveat is that if the policy expires before you do, you dont get your money back.
On the other hand, permanent life policies, which include but are not limited to whole, universal and variable, may cost more, but it also provides more. These policies, in addition to paying your beneficiaries upon your death, can be used as an investment tool. Most of these policies pay dividends and many policies also allow you to borrow from the accrued cash value.
Universal life policies have a provision under which you may modify the...
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