Life insurance policies may be purchased for a specific term which ensures that your beneficiaries will be paid should you die within the term, or permanently, which covers life-long coverage with a cash value. Basic features of every life insurance include the death benefit, beneficiaries, the length of insurance, payments, and the cash value or investment component. The cash value builds over time but is only applicable to life-long life insurance policies.

You will never know when the inevitable will happen. If you have loved ones depending on you, life insurance will ensure that whatever happens, they are protected.

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