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    Whole Life vs. Term Life: Which is Best for Me?

    By Young Insurance | Health & Life | Comments are Closed | 26 August, 2013 | 0

    When you start shopping for life insurance, it is easy to get overwhelmed by all off the choices out there. For example, how do you choose between term life insurance and whole life insurance? Understanding the differences between these two policies is the first step. Term life is designed to be valid for a predetermined period, such as 20 or 30 years. The premiums are slightly lower because the policy is only valid for that period of time. Most term policies do not require a medical exam. These policies do not build cash value, but they are helpful for protecting your family in the event of your death.
    A whole life policy, on the other hand, is called that because it protects you for your whole life. It also builds cash value over time which you can borrow against for retirement, education or other needs. Unlike a term policy, whole life premiums do not go up with your age, though the policy has slightly higher initial premiums. Talk to Young Insurance today about the premiums and coverage options for help finding the right life insurance for your needs.

    finding the right life insurance, ron young insurance, term life insurance, whole life insurance

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