http://termlifeinsurancemales.com Term Life Insurance Males is owned by Huntley Wealth Insurance, under president Christopher J. Huntley. We have been in business since October of 2004 and are licensed in over 30 states. We specialize in providing affordable life insurance to individuals taking medications or health risks such as diabetes, coronary artery disease, and high blood pressure.

1. 2012
Huntley Wealth Insurance
4849 Ronson Court, Suite 208
San Diego, CA 92111
877-996-9383 Phone
619-393-0370 Fax
termlifeinsurancemales.com

2. About Us
Term Life Insurance Males is owned by Huntley Wealth Insurance, under president
Christopher J. Huntley. We have been in business since October of 2004 and are
licensed in over 30 states. We specialize in providing affordable life insurance to
individuals taking medications or health risks such as diabetes, coronary artery
disease, and high blood pressure.
Huntley Wealth Insurance has many agents nationwide ready to help with your
insurance needs, and our president, Chris Huntley, remains active in assisting our
clients with their insurance needs as well. Mr. Huntley is married with two beautiful
daughters, and lives in San Diego, CA.
For an instant quote, please use our quote form on the right. If you request an
application, we will then contact you. However, we are currently receiving over 400
quote requests per month from our websites, so sometimes it may take more than a
week to call you. If you wish to speak to us sooner, please call us at 877-996-9383.

3. pricing if you only need the coverage for a
short duration?
What are the Different For more information about Term Life
Types of Life Insurance Insurance, see our articles on 20 Year Term
Life Insurance and 30 Year Term Life
Insurance.
There are two main types of life insurance
policies, which are term and permanent life Permanent Types of Coverage – Whole Life
insurance. and Universal Life Insurance
Within the two main types, there are sub- Whole Life Insurance
types as well. This policy is designed to cover you for your
Which is best for you? “whole life”. The premiums are higher than
in term or universal life, but that’s because it
Here’s a general explanation for each has superior benefits. It actually builds some
different type of life insurance policy we very nice cash value, and pays dividends, so
offer, and who is best suited for each type. the benefits are much better.
Term Life Insurance Two important benefits of whole life are:
90% of our clients purchase term life 1. Cash value is available for loan or
insurance. Most term life insurance policies withdraw
provide guaranteed coverage to age 95, 2. Dividends can be paid to you in case,
with an affordable initial premium for a used to reduce your premium, or to buy
period of years (the term), such as 10, 20, or additional insurance, known as “paid up
30 years. additions”.
It is the most affordable type of life Whole life illustrations usually show two
insurance because of the low cost premiums columns with for guaranteed cash values and
during the initial term. Generally speaking, death benefit, as well as “projected” or
the shorter the term, the lower the premium, “assumed” cash value, dividends, and death
so 10 year term is the cheapest and 30 year benefit. The premium is much higher than
term costs the most. term or universal life, but you have a lot
more benefits with this policy.
After the initial term, the policy moves to an
“annual renewable rate”, which will be Take note that not all whole life policies pay
determined by the insuring company at the dividends. If they do, they will be illustrated
end of the term. I typically see renewal in the “non guaranteed assumptions” column
rates at 4 to 8 times the premium during the as “Projected Dividends”. They are not
initial term, so be sure to lock in as long of a guaranteed.
term policy as you can afford, because you One benefit of the dividends, if available, is
DO NOT want to pay those renewal rates. you could take them in cash, thereby
A lot of people never anticipate paying the reducing your total outlay. Or dividends
renewal rates. They may only need could be taken as cash in your pocket, or for
coverage for a short period of time, perhaps other purposes as I mentioned above.
to cover a loan, a business agreement, or to For more information, see our article on The
replace employment income. In this case, Cost of Whole Life Insurance.
term is the perfect solution, since its initial
premiums are so low. Why pay whole life

4. Universal Life Insurance policy in force through age 100, and you
This type of policy is similar to whole life, as will probably accumulate little to no cash,
it may provide coverage for life, but the but with the “no lapse guarantee”, that’s
coverage and premiums are much more okay. You don’t need it.
flexible. Like whole life, there must be The problem with guaranteed universal life is
sufficient premiums or cash value to pay the that since you have no cash value to sustain
policy costs and keep the universal life policy the policy, you’re in trouble if you miss a
in force. But since the costs of insurance and premium. With regular universal life, no big
rate of interest the cash value may earn are deal if you skip a premium, but with
both variable, universal life is usually guaranteed, you must stay on schedule or
purchased and premiums are determined by your “guarantee” could be in jeopardy.
“illustrating” these variables to see how the Variations of Term Life Insurance
policy will perform. In other words, we
guess. Then every year or two, a new Hybrid Policies
illustration with “current” policy costs and Term/Universal Life Hybrids – A few
interest rates is usually requested to see how companies have come out with a form of
the policy is performing. guaranteed universal life with options for
The benefit to universal life is you may be very short “no lapse guarantee” riders. The
able to pay far lower premiums to keep the “no lapse guarantee” portion of the policy
policy in force for life than in whole life. For may only last for a duration such as 10, 20,
example, if you buy a UL policy in times of or 30 years. Just like guaranteed universal
high interest rates, your cash values may life policies do to age 100 or 120, these
accelerate rapidly, outperforming your riders mandate that even if the policy has no
original expectations, and allowing you to cash value, the death benefit and premium
pay less in premiums in future years. But it are still guaranteed to stay fixed during the
can also work in reverse. If the cash values initial term selected. After the initial term,
don’t grow as originally expected, you’ll the policy reverts back to a plain universal
have to pay higher premiums than initially life policy where higher premiums and cash
illustrated to keep your coverage in force. value will be needed to sustain the policy.
Two popular types of UL’s are Guaranteed Return of Premium Term Life Insurance
UL’s, which I will cover below, and indexed These policies charge you an additional
universal life policies. premium so that at the end of your term,
―Guaranteed‖ Universal Life Insurance 100% of all premiums pay (for the base
policy as well as the return of premium rider)
This type of policy is built on a universal life are paid back to you if death has not
base, but acts more like a term policy to age occurred.
100 or 120.
See our article on Return of Premium life
Most companies offer their UL policies with insurance.
an optional “No Lapse Guarantee” feature,
which essentially cancels out the “adjustable” “Odd” Term Durations
features of a universal life policy and the While almost every company offers 10, 15,
need for cash value to sustain the policy. So 20, and 30 year term, some companies offer
you may have a no lapse guarantee to age other term lengths, but this is not the norm.
100 on your policy. In this case, you will pay Some offer 5 year term, but I have yet to
the minimum premium necessary to keep your

5. find a 5 year term policy any cheaper than
my 10 year term options, so I don’t sell them.
American General offers almost any term Can I Purchase Life
length you can imagine with their Select-A- Insurance on My Parents?
Term product line, such as 16 year term, or
24 year term, etc.
In most cases, you can purchase life insurance
Prudential (Pruco Life) has a term policy that policies for your parents with their
offer insurance to age 65, regardless of knowledge and approval.
your age, with the intention of providing
coverage through your working career. This But how do you go about doing this, and what
can lead to odd term durations. For is the appropriate amount and type of
example, if you’re 38 and purchase their coverage?
Workforce 65 policy, it is essentially a 27 We will cover these questions and more in
year term policy. this article.
What’s the Difference? Which one is right The most popular types of policies for
for me? parents are term life insurance, whole life
If you only need life insurance for a short insurance, and second-to-die policies. See
period of time such as 10 to 30 years, term below to determine the best type of
is the way to go. If you want coverage in coverage for your parents.
place for the rest of your life at the lowest Is Buying Life Insurance on My Parents a
premium available, you want guaranteed Good Deal?
universal life.
Prior to age 85, it seems life insurance can
If you want the flexibility of paying your still be purchased for a relatively affordable
premiums when you want, and are okay with premium. For example, you would pay
constantly monitoring your policy values, then $14,560 per year for an 83 year old
a vanilla universal life may be appropriate mother in good health for a $250,000 policy
for you. And if you want coverage for life guaranteed for life with North American Co
with guaranteed cash accumulation, then you for Life and Health.
should consider whole life insurance.
If we assume she has a life expectany of 10
For more information, please visit our category about years, you will have paid $145,600 into the
Types of Life Insurance or call us at 877-996-9383. policy after 10 years. If she were to pass
away at any point before that, it seems to
be a great rate of return on your premium.
You certainly wouldn’t be able to match that
kind of return in any alternative investment.
If your parents are younger than 80 and in
good health, life insurance is an incredible
leveraging tool, and makes even more sense
than in the example above.
Honestly, life insurance loses leveraging
power after age 85 and is pretty
expensive. See the quote form on the right
for an instant quote.

6. Ownership of Policy: One of the first things Your parents will first, need to be aware that
I ask the child when he/she calls me is who the policy is being taken out on them. It’s
would be the owner and payor of the impossible for them not to know, since they
policy. In some cases, children are simply will need to sign the application as the
calling on behalf of their parents who are “primary insured” or “primary applicant”.
not internet savvy, and are doing nothing Most policies will also require a medical
more than helping their parents, who don’t exam. It’s really not too complicated. You
know how to buy life insurance, with the just complete an application, (sometimes the
quoting and application process, but that the medical exam), and then wait for approval.
parents will be paying for the policy. Types of Life Insurance for Parents:
In other cases, you have children who will be Term is the most common type of insurance
the owner of the policy, pay the premiums, sold today, because it offers the lowest cost
and also be the beneficiary of the death for level premiums during the duration of the
proceeds. Usually this is okay as long as the term. You must consider your parents’ life
child can prove an insurable interest. This is expectancy, however, if you’re considering
100% legal, but will require approval by term. You don’t want to get a 10 year term
the insurance company. if you actually need the coverage for as
An insurable interest means that the child long as they live.
would be somehow financially affected by In the latter case, whole life insurance, or its
the death of his or her parents. So if your little sister, universal life insurance (a lower
parents have a big mortgage on their home, cost policy offering coverage for life), may
and you don’t want to inherit their debt, life be more suitable for you. You can get
insurance may be in order. Or if you are quotes in our quote form on the right to age
responsible for your parents’ funeral and 100 or 121, which are guaranteed universal
burial arrangements, life insurance may be life insurance policies.
used for this.
Another popular choice for parents is a
How Much Life Insurance Can I Purchase second-to-die policy. As the name indicates,
on My Parents? this policy only pays out one death benefit,
The trick is to apply for a reasonable amount upon death of the second parent. This type
of coverage to protect you from financial of insurance is popular in combination with
hardship. The idea is to be indemnified, or estate planning and life insurance trusts, but
made whole… not to get rich off your not necessarily.
parents’ death. So if your 81 year old Please note if your mother or father have
mother is living with you, and lives off social health issues, please see our post on
security, and provides no financial benefit to impaired risk life insurance, for details on
your family, and has no debt, you would not, how we are able to provide affordable life
for example, be approved for a 1 million insurance to our clients with history of stroke,
dollar life insurance policy. heart disease, cancer, diabetes, etc.
In most cases, a $100,000 life insurance For the best term life insurance prices on your parents,
policy for parents is approved without hitting or any other type of life insurance, it’s best to speak
any barriers. Beyond this, financial with a knowledgeable professional, who can discuss
justification will be required. your options and pricing with you. You may get a
quote using our form on the right or by calling us at
Requirements to Purchase Life Insurance 877-996-9383.
on Your Parents

7. below titled “Your health affects your
premium” to understand the pricing better.
Life Insurance Ages 76 to
Your Health Affects Your Premium
80
When you think of an individual at age 78
or age 79, it’s pretty rare to find one who
One of the more common questions we get
does not at least take a couple medications,
here at Huntley Wealth Insurance is whether
even if it’s for something as mild as
or not you can purchase life insurance
hypertension or osteoporosis. With a minor
between the ages of 76 to 80, and if we can
issue such as these, affordable coverage is
help.
not hard to find.
Yes, you can qualify for coverage at this
If your medical impairment is not too
age, and even all the way up to age 90, and
complicated, you may be able to be
yes, we will help you find the best life
approved at preferred or standard rates.
insurance for seniors over 75 at the best
This means you’ll pay a lower premium for
rates for your needs.
the same amount of coverage than a
How Much Does Life Insurance Cost at Age policyholder who is approved at a
76-80? substandard health rating.
The cost of life insurance at age 76, 77, 78, Some very simple medical issues to insure
etc., really depends on your health. are history of high blood pressure or history
of high cholesterol, so if that’ all you’re being
Some of our clients have never experienced treated for, feel free to run an instant life
health issues, who will be candidates to insurance quote with our form on the right
qualify for preferred health ratings, and and classify yourself as “preferred”. If these
lower premiums. are now being treated with medication, and
Sample Term Quotes for $25,000 Coverage are at controlled levels, most insurance
companies will still approve you at their
Type of Insurance 10 Year Term To Age 121
Male Age 76 $113 $124
preferred health rates.
(ALL QUOTES PER MONTH)
male Age 77 $125 $132 However, if your health history is more
Male Age 78 $143 $143
Male Age 79 $161 $159 serious, you may be approved at a
Male Age 80 $183 $180 substandard rating or possibly declined.
Quotes based on premiums for a male in Some tougher health risks are people with
Preferred Non tobacco health classification heart disease, history of cancer, and other
as of 11/21/11. ailments.
Please use our quote form on the right for a
quick quote, but please understand that How Much Insurance Should I have at 76
these quotes should be used as a general to 80 Years Old?
guideline, and be sure to read the section This question really depends on who is
dependent on you for income, and to what

8. extent. For example, I recently helped a 9383 to discuss your life insurance goals and
retired Marine colonel, age 79, purchase needs, and we will help you find the most
$1,000,000 of term life insurance. He cost effective life insurance plan for your
needed this much because he was married, needs.
and most of his pension and retirement
income stopped upon his death, leaving his
wife nothing to live on. We determined that Yes, You Can Still Qualify
$1 Million would be sufficient to provide his up to Age 85. Sample
wife with $50,000 per year of income,
without ever depleting.
Quotes Below.
So income replacement is one calculation you
Yes, you can still purchase life insurance
could do to determine how much protection
between the ages of 81 to 85, and in some
you need to purchase.
cases, even to age 90. Before reading too
You might also need life insurance to cover much below, let’s look at some sample cost of
debts upon your death, such as a mortgage insurance rates.
or credit cards, and don’t want to leave your
I always feel it’s best to discuss life insurance
family with debts. This is an excellent reason
pricing right out of the gate when dealing
to purchase life insurance. I have one client
with my clients over age 80, since sometimes
at age 80 who purchased a 10 year term
the premiums are prohibitive.
policy on her life for $125,000 to cover the
cost of her mortgage upon her death. The quotes below are for a male age 81,
82, 83, etc in good health, who can qualify
Estate Planning and Taxes
for the best health classification, and
Another common reason seniors purchase life purchasing a 10 year term policy.
insurance is to fund a life insurance trust, Age $100,000 $250,000
which may help avoid paying excess estate Male Age 81 $395 $903 per month
taxes. Male Age 82 $453 $1049 per month
Male Age 83 $531 $1245 per month
Male Age 84 $620 $1468 per month
Perhaps you are searching for life insurance Male Age 85 $718 $1719 per month
on your father or mother, age 78, 79, etc.
This is very common for a child to help her Note: Life insurance for people over 80
parents with the life insurance process. In listed above are valid as of 12/2/2011
some cases, you may even become the and subject to change. Not available in all
owner, payor, and beneficiary of the policy. states, and based on Preferred Non Tobacco
In this instance, your mother or father is User.
nothing more than the insured on the policy. Please keep in mind you can also get quotes
If you are age 76, age 77, all the way up to for $25,000 or $50,000. You don’t have to
age 80 and need life insurance advice, we buy $100,000 if the premiums are out of
would love to help. Call us at 877-996- your budget. Use our quote form on the
right for a quick quote.

9. You should also be aware that if the cost of Requirements to Purchase When Over 80
life insurance as a senior is prohibitive, you Years Old
can potentially save thousands per year by
Whether you are 85 years old or less, you’ll
purchasing a second-to-die policy, which only
need to take a paramed exam (medical
pays a death benefit upon the second
exam), which is usually done at your home at
death. This could be the perfect solution for
the insurance company’s expense. It will
a estate planning need or to leave an
usually require blood withdrawal, urinalysis,
inheritance to your children.
and sometimes an EKG. For large insurance
How to Purchase Life Insurance at Ages 81 amounts, other requirements may be
to 85 ordered.
The key purchasing life insurance at age 82 It’s important you realize the quotes above
or 84 years old, or any age for that matter, are for a 10 year term policy, which means
is your health. If you’re healthy and have the premiums will be level guaranteed for
had no history of serious medical the first 10 years, but then will increase
impairments, such diabetes, COPD, or heart thereafter. For guaranteed level premiums
disease, you will pay a lower premium than for life, the premiums will be higher by
the policyholder who has had medical about 15% to 20%.
problems.
For example, a healthy man at age 83 can
Having said that, be sure to speak to an purchase a guaranteed $100,000 universal
experienced independent agent such as life policy to age 121 for $638 per month,
myself, Chris Huntley, about your health a 20 percent increase over the 10 year term
history. A good agent will know which policy. Of course the benefit is that after the
company will give the best health first 10 years since the policy was issued, if
classification, and therefore lowest premium. the applicant is now 93 and still living, he’ll
still have level premiums he can afford,
Try to stay away from insurance agents
whereas the 10 year term policy’s premiums
whose primary specialty is selling auto or
may adjust to an astronomical number.
home insurance, such as through Farmers
Insurance or State Farm Insurance. Their life Purpose of Getting Cover in Your Eighties
insurance rates are rarely as low as the
In life insurance policies, the policy holder
rates an independent agent can find for you
pays a premium (the cost of insurance), either
using companies like Transamerica, Banner
on a regular basis, such as annually or
Life Insurance, or Prudential.
monthly, or as a lump sum. Of course the
Many other large, A rated life insurance advantage to the owner is the peace of mind
companies still offer life insurance beyond knowing that the insured individual’s death
age 81 and age 82, such as MetLife, will not lead to financial difficulty for the
Protective Life Insurance, and Aviva Life deceased’s loved ones.
Insurance.

10. Estate Liquidity Can I purchase for my Mother, Father,
Parents?
Say you’re 85 years old and most of your
assets are tied up in real estate holdings or Yes. They must be aware of it, but you can
business ownership. Upon your death, your be the owner of the policy, pay the
beneficiaries would be able to make better premiums, and determine who will be the
decisions about whether to hold or sell your benefactor of the funds upon death, which
assets if some liquid cash is available to them could be yourself. Please see our article
by way of life insurance. about purchasing life insurance on your
parents for more information.
No one who has spent a lifetime building
wealth wishes for those assets to be sold off Call us at 877-996-9383 for a no obligation quote
immediately upon their death due to a need for your parent or yourself for term life insurance or
whole life.
for cash. Suppose your estate is taxable
and the trustee needs to raise cash to pay
the estate tax bill, which by the way, is due
9 months from the date of death. Life
insurance can solve this problem.
Which Type of Insurance is Best at Age 81,
82, 83, 84, 85?
There are only two types of policies you can
buy once you reach age 81 to age 85, which
are 10 year term (sorry, 15 year is no
longer available at this age), and whole life
insurance. With term life insurance you buy
a limited, defined term such as 10 years.
Whole life, on the other hand, covers you for
your whole life until you pass away, or in
some cases, until you reach a specified age
such as 100.
Since in your eighties, permanent or whole
life insurance only costs a fraction more than
10 year term, I would recommend a
permanent policy if you can afford it. For
example, if you have a male at age 82
purchase 10 year term, he might outlive the
coverage if he can just live to age 93, which
is certainly possible if this 82 year old is in
good health.

11. Different Types Of Life policies so that you will be sure of what you are going to
get and won’t have any regrets once you have signed it.
Insurance Explained—
Helping You Understand Getting an Inexpensive Term
What To Get Life Insurance Is Essential
There are a lot of companies these days that offer you
numerous insurances. However, it is a must that you have It doesn’t mean that when you are secured by a certain
the different types of life insurance explained to you so type of insurance your life is entirely protected until you
that you will know how and what to get. You can seek the die. There is a limit regarding when and how big the
professional help of your brokers and financial advisers benefits that you are going to get when the time comes
since these industry experts are aware of what you when you can finally avail of it. Since there are four
should obtain first. In addition to that, they will be able basic types of life cover, it is important to know them one
to pull some strings so that you will have an easier time by one so that you will find out which is the best one for
having you application approved. This is possible for you. You will realize which one can provide your needs
them because they have spent years developing their after you study and understand their different policies.
network of contacts. Keep in mind that there are a lot to For regular employed citizens, it is recommended to get
choose from which is why you need to research first an inexpensive term life insurance because it does not
ahead of time so that you will be able to make a well- require big amount of money to be paid every month or
informed choice. every quarter of the year.
One of the insurances you are most likely to come across Basically, the four types are the term life insurance,
first is the level term life insurance. This basically enables whole life insurance, universal life insurance, and variable
your family to have a level of financial protection in the insurance. There are a lot of insurance companies today
event of your untimely passing. Keep in mind that at the that sell these offers. When you plan to get a certain life
insured, you are not the direct beneficiary because cover, you must put into consideration the important
everything will go to your family. Applying for this will factors such as knowing the major types of policies that
enable your relatives to have minimal weight on their exist and learning how they are being used.
shoulders because they can focus on other aspects since First and foremost, you have to ensure that the company
the important things can be paid for thanks to this where you are going to get an insurance plan is
coverage plan. If your plan expires and nothing bad has reputable. If you are able to trust that company, then it
happened to you, everything will be forfeited not unless gives you a peace of mind knowing that your investments
stated otherwise in your contract. are safe even if it will take years for you to reap the
There is also the whole term insurance wherein you will benefits that you deserve. The next thing that you have
be able to have a certain amount of money that you can to do is to get a deal from it that can provide you with
spend for your children’s educational expenses or other the security that you need in terms of financial aspect.
daily expenses. Keep in mind that this is more expensive It’s beneficial if it can cater your needs in the best
than the other kinds; however, you will be able to build possible way. It is important to choose the suitable option
up your finances with it and withdraw it when you see fit. so that your money will not be wasted. The benefits that
In addition to that, you will be able to have more options you will receive should be somehow equal to what you
because it is more flexible when compared to the others. will be paying for every quarter of the year. Don’t just
It is possible to have coverage throughout your life with immediately make a decision without doing an
this as long as you are able to keep on paying your evaluation. You have to consider reliability and quality
premiums. of a certain option. It’s not that easy to give your trust to
Before you settle with what a particular company is a certain insurance company. You have to check its
offering you, make sure that you read the contract and reputation and its management.
the fine print with regard to the kinds of life insurance To avoid confusions or misunderstandings, hire someone
who is knowledgeable and expert enough in dealing with

12. this matter so that everything will be clearly explained to 3. You can start paying for your premium at a
you. Not everything that is being suggested to you by young age.
insurance dealer is a fact; therefore, don’t immediately
believe on what he is saying most especially if it all What factors influence the type of alternatives that you
sounds positive. Overall, it will be safe and get to have?
advantageous if you are able to understand the
a. Health
different life insurance policy types so that you will
figure out if which is perfect for you. 1. Healthy people get to have cheaper options
since their chances of dying are lesser compared
to those with illnesses and disabilities.
Getting To Know the Types 2. People who are sick really pay more,
depending on the severity of the medical case
of Life Insurance – A Guide that they are currently experiencing. Those with
high chances of passing away will get more
for Beginners expensive deals.
At some point, we all have to choose from various types b. Age
of life insurance plans in order to keep our dependents
1. Getting a premium at an early age can be
secure in the event that we pass away. Since there are
beneficial since it makes you spend less.
plenty of options to choose from, the whole process could
get confusing for beginners and newbies in the realm of 2. Older persons paying for permanent types
real-life financial planning. This post talks about how you should expect more expensive rates.
can understand things in a much simpler way.
c. Lifestyle
What is this type of insurance?
1. People who engage in vices such as alcohol,
a. This allows you to keep your dependents and heirs drugs, and cigarette smoking are guaranteed
secure in the event that you die. higher rates.
b. Usually, it is their economic security that is established. 2. Occupations that are risky like working in hard
hat sites, mines, or the armed forces are also
c. Monetary benefits are provided to keep your heirs
disadvantages in getting cheaper deals.
when you pass away.
3. Persons who engage in extreme sports are
d. The amount that they get depends on what type of
also getting expensive plans.
premiums you have chosen.
How can you choose from premiums?
What are the two main classifications?
a. Carefully study all types that may suit your current
a. Term
condition.
1. This is the temporary variety.
b. Ask for quotes from various providers and take time to
2. You get to renew this on a regular basis. It pick the best ones that suit your pockets and your needs.
could be yearly, or every couple of years.
c. Hire an agent to help you out in case that you are
3. These are the more affordable options. uncomfortable with making decisions on your own. This
could cost you a little more but it can be beneficial with
b. Whole those who find it hard to understand the life insurance
policy types that are presented.
1. This is more expensive considering that the
terms last for your lifetime.
2. The promised benefits will definitely come to
your dependents at some point.