The number and different types of life insurance can cause much confusion to the new life insurance agent and in some cases to the life insurance buyer. You will get an overview of most of them here and how each one can be applied to your particular needs.
Decreasing Term Life Insurance Policy
One policy that sets itself apart from all other types of life insurance policies is decreasing term life insurance. As the name implies the face amount of the policy gradually decreases over the years. The most common area where your need for life insurance decreases is when a policy is used to erase a mortgage debt when the homeowner dies. This policy perfectly fits that type of situation. The premium remains level for the duration.
All other
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