| Whole Life Insurance
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Provides a lifetime guaranteed
death benefit, a guaranteed fixed
premium, and guaranteed cash values.
Whole life insurance policies have
the excess earnings (if any) of
the insurance company credited to
your cash value either as dividends
or as excess interest. Similar to
Universal Life plans, your cash
values can be used to pay future
premiums, fund retirement and college
education, and provide emergency
cash reserves.
Whole life insurance typically
provides the best investment rate
of return per dollar of premium.
In summary, whole life insurance
is for the person who wants guaranteed
permanent coverage with a guaranteed
premium for the rest of their life.
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