Series 65: Whole Life Insurance

Taken from our Series 65 Online Guide

Whole Life Insurance

Where term life insurance covers the insured for a certain “term,” whole life insurance is meant to cover an insured for their “whole” life. Whole life insurance is an insurance product that has an insurance component and an investment component. Because of this additional benefit, it is much more costly than term life insurance. The purchaser pays set premiums, which are locked in over the life of the insured, and the insurance company guarantees a minimum amount of payout upon death. With whole life insurance, insurance companies guarantee the recipient a minimum cash value, even if the recipient stops paying into the pol

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