Disability Insurance

Disability Insurance, often called DI or disability income insurance, or income protection, is a form of insurance that insures the beneficiary's earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work.

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Whole Life Insurance

PWLI contracts provide for the build up of something called cash value. This cash value is contractually guaranteed to be made available to the policy owner through the policy loan and/or surrender provisions.

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Indexed Universal Life Insurance

Indexed Universal Life (IUL) is a relatively new type of permanent life insurance which offers a “guaranteed fixed rate of interest and interest based on the performance of an outside index such as the S & P 500.” Like a typical universal policy, IUL policies direct all premiums paid to be applied to a fixed account which earns a rate of interest. The interest rate is not fixed but typically provides a minimum rate as well as a capped rate.

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Term Insurance

Term insurance is purchased to provide coverage for a specific period of time rather than for a “whole life”. Some term policies have fixed, level premiums that can last between 10 and 30 years. This allows the policy owner to pay a fixed annual premium for whatever fixed period the policy contract stipulates. Other term insurance policies have annual-renewable premiums which are adjusted annually.

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