Whole life insurance is a type of permanent life insurance – that can insure you for a lifetime. Premiums are typically level and guaranteed for the life of the policy.
In addition, whole life insurance policies have guaranteed cash values which may be used by the policy owner to help support a variety of financial and they may produce excess credits which may be used to purchase additional paid-up life insurance, potentially increasing the available death benefit.
Whole life policies may also offer generally income tax-free loans and death benefits.
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