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A quick excerpt from one of our many articles...just one way we empower the term life insurance shopper.      More articles available at our Site Map.

from "Why Term life Insurance"

....Whole life insurance (and variable) is something entirely different.  The risk of you triggering the benefit is 100% (assuming policy kept in force).  How can that be?  Well, the premium has to be significantly more (usually around 10 times more) than term life insurance for smaller amounts.  Here, the carrier is estimating that they can take the 10 times premium (let's say $150 per person for our above example) and make enough money investing that amount to pay out for everyone in the group at a lesser amount.  They are essentially investing with your money hoping to earn off this "float" before needing to payout death benefits.  They also plan to pay your death benefits with future money which is worth much less (due to inflation, $1 today might be worth 60 cents 10 years from now and 20 cents 20 years from now).  You're not purchasing life insurance to have money invested.  You are buying life insurance to protect against a risk. 

It's equivalent to purchasing health insurance to cover 100% of all expenses (no copays, no deductibles, and no co-insurance).  The cost for such a plan would be so high that it would quickly price itself out of the market.  This is why we have the constant movement towards higher deductible and more cost sharing.  Covering 100% of the risk of death just isn't cost effective which leads us to our next point....

   read more here



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