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Permanent life insurance can last a lifetime and may provide additional value beyond the security and assurance of death benefit protection.
A permanent* life insurance policy can provide lifelong protection and the ability to accumulate cash value on a tax-deferred basis.
*As long as required premium payments are timely made.
**Withdrawals and loans will reduce the cash value and death benefit of the policy.
While premiums for permanent life insurance may be higher compared to a term life policy, you are paying for the opportunity to accumulate cash value and have a lifetime of coverage.
When the coverage period of a term life policy ends, you could face dramatically increased premiums or be required to go through underwriting. Depending on your term length, you could be 10, 20 or even 30 years older. While you may still be able to get insurance at an older age, it can be much more expensive and at a time in your life when you are living on a reduced or fixed income.
A level premium with both a death benefit and cash value component.
Offers more flexibility, including the death benefit amount, premium payment amounts and optional features which can help tailor the policy to fit your exact needs.
Why choose a Permanent Policy?
Temporary vs. Permanent
Whole vs. Universal Life Insurance
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All payments and all guarantees are subject to the claims-paying ability of Protective Life Insurance Company. The tax treatment of life insurance is subject to change. Neither Protective Life nor its representatives offer legal or tax advice. Please consult with your legal or tax adviser regarding your individual situation before making any tax-related decisions.