What really is Life Insurance?

Life insurance is a contract made with a life insurance company where premiums are paid on the life of the insured (person) according to the terms of the policy. In return, on the death of the insured, the company makes a lump-sum payment to the beneficiaries.

Term life insurance provides protection for a set period of time as stated within the contract.

Permanent insurance, such as universal or whole life, provides complete lifetime coverage. Many times income tax on life insurance payments is tax-free, but you should make inquiries from your insurance provider. Whole life can also be used as an estate-planning tool to help preserve the wealth you plan to transfer to your beneficiaries.

Life insurance can be a pretty complex and tricky subject, so it’s best to research your options and talk to an insurance professional. Compare prices and policies with different companies to get the best deal; you’ll see huge differences in offerings between companies

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