For people looking for more permanent protection, a Universal Life policy may be the answer. A Universal Life policy does more than just provide a death benefit, it also has the potential to build cash value for other needs that may arise such as taking supplemental income through policy loans and withdrawals for retirement or meeting other family life events that may occur.
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If you are someone who is looking for coverage for a specified amount of time at an affordable cost then Term may be the right solution for you if your situation changes and you should need permanent coverage, the option to convert your term policy to a permanent Whole Life or Universal Life policy also exists.
For those looking for strong guarantees: guaranteed death benefit protection for life, guaranteed level premiums, guaranteed cash value accumulation, a Whole Life policy may be the appropriate choice. Guarantees are dependent on the claims-paying ability of the issuing company.