Cash Value Life Insurance

Permanent life insurance is Cash Value Life Insurance, such as endowments, whole or ordinary Life policies. Permanent life is a policy that cover the life of the insured, with permanent life insurance the payout is assured at the end of the policy (assuming the policy is kept current). Permanent life insurance also accrues cash value. Permanent life insurance is ideal for those with long-term needs, because it is the least expensive over time as the premiums are fixed and accrue a tax deferred cash value. Also, permanent life insurance provides death protection for as long as you live. Lastly, there can be significant fee associated with setting up a permanent life insurance policy, but generally the tax advantages and cash value make it a wise investment over time.

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