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 Types Of Life Insurance

There are four different types of life insurance.

Term Life Insurance pays you a set amount of money if you die while the policy is active.  This type of life insurance is the cheapest option and can be very good for people who do not have many dependents, as long as you don't want your family to receive any monthly payments after your death.  Permanent Life Insurance stays in effect no matter how long you live under the premium plan selected, which means that it can pay out for more than 20 years if you take out a 30-year policy and live past 66 years old, for example. However, this type of life insurance is usually more expensive than Term Life Insurance since it covers more risk.  Whole Life Insurance is a type of Permanent Life Insurance. In this type of insurance, the premiums never change and there are no restrictions on when it can be used.  This policy covers you for your entire life and is typically used as a savings plan for retirement.

Motorcycle Insurance

Motorcycle insurance is a type of insurance that you get if you own or drive a motorcycle. This type of policy helps to pay for any damages that may occur to your bike should something happen, whether it be an accident or vandalism.

Personal Umbrella and Homeowners Insurance

Personal umbrella insurance is a type of life insurance in which an amount of money is paid to help pay your debts if you die. These policies are intended to help families and friends financially when there is no other source of funding.  Home owners policies work similarly, with the difference being that the policy covers any damages to your home should something happen, not just your rented home.

Short Term Disability Insurance

Short-term disability insurance covers you in case you become unable or unwilling to work due to injury or illness. The payments that are made from these types of insurance cover medical bills, lost wages and other expenses related to recovery time after an injury or surgery.

These are just a few of the type of insurance that you may be considering. Ultimately, the choice of which type of policy you may want is up to you and it is important for you to understand the implications that each one has for your budget.

Posted by: Mitchell Nordquist at 5:37 PM

AQWR Life Insurance

AQWR Life Insurance is an independent, non-profit life insurance company based in New York. We believe all life insurance should be purchased with an eye toward protecting those who depend on you. Our mission is to promote and expand affordable and powerful financial protection for aging Americans as they age out of work and other sources of support such as Social Security. www.aqwrlifeinsurance.org

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Privacy Policy|Search Bar AQWR Life Insurance, Inc. All Rights Reserved. Posted by: Mitchell Nordquist at 4:52 PM No comments: Links to this post

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