{"id":222023,"date":"2021-12-06T21:15:28","date_gmt":"2021-12-06T21:15:28","guid":{"rendered":"https:\/\/fidelitylife.com\/?page_id=222023"},"modified":"2021-12-06T21:15:28","modified_gmt":"2021-12-06T21:15:28","slug":"term-life-vs-permanent-life-insurance","status":"publish","type":"page","link":"https:\/\/staging03.wordpress.fidelitylife.com\/?page_id=222023","title":{"rendered":"Term vs Permanent Life Insurance"},"content":{"rendered":"<section class=\"migrated-section row-0\">\n<div class=\"acf-field stream_0_circles_theme_generated_in_functions\">default<\/div>\n<div style=\"color:red; font-weight:bold; border: 1px solid red; padding: 5px;\">[MISSING IMAGE ID: 0 &#8211; Not found in Media XML]<\/div>\n<p><img decoding=\"async\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2022\/12\/9ef76810-smiling-multi-generation-male-family-at-home-in-garden-together.jpg_s1024x1024wisk20cihkeshbi5gi1tq2p6fjk6z2nuuowwfjbal4jemnfuci.jpg\" alt=\"stream_0_mobile_image\" class=\"migrated-media id-455228\" style=\"max-width:100%; height:auto;\" \/><br \/>\n<img decoding=\"async\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2022\/12\/9ef76810-smiling-multi-generation-male-family-at-home-in-garden-together.jpg_s1024x1024wisk20cihkeshbi5gi1tq2p6fjk6z2nuuowwfjbal4jemnfuci.jpg\" alt=\"stream_0_desktop_image\" class=\"migrated-media id-455228\" style=\"max-width:100%; height:auto;\" \/><\/p>\n<div class=\"acf-field stream_0_style\">style-blue<\/div>\n<div class=\"acf-field stream_0_title\">Term vs Permanent Life Insurance<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-1\">\n<div class=\"acf-field stream_1_circles_theme_generated_in_functions\">content_short<\/div>\n<p class=\"acf-field stream_1_text\">\n<h2>Key takeaways<\/h2>\n<ul class=\"box-list\">\n<li style=\"list-style-type: none;\">\n<ul>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Term life insurance provides coverage for a set period of time and is the most affordable type of coverage.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Permanent life insurance lasts your entire life as long as you pay your premium and also builds cash value over time.<\/li>\n<li>When deciding between term and permanent life insurance, key factors to consider include cost and length of coverage.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Term life insurance and permanent life insurance are the <a href=\"https:\/\/fidelitylife.com\/life-insurance-basics\/life-insurance-101\/types-of-life-insurance\/\">two main types of life insurance<\/a> that provide a safety net for your loved ones in case you die. What&#8217;s the difference between term life and permanent life insurance? Learn about the similarities and differences of both types of coverage and which policy might suit your needs best.<\/p>\n<h2><strong>What is term life insurance?<\/strong><\/h2>\n<p><a href=\"\/life-insurance\/term-life-insurance\/\">Term life insurance<\/a> provides coverage for a set period of time. With term insurance, you can select from a range of coverage amounts and term lengths to meet your needs and budget. The premiums for term life are generally lower than those for permanent insurance. That\u2019s why term life is often the better option for everyday families.<\/p>\n<p>When you buy term life insurance, you\u2019ll pick a predetermined time period for your policy to be in effect, usually 10 to 30 years. The policy will remain in place until the term ends or you stop paying your premiums. In some cases, you may have the option to convert your term life policy into a permanent life policy when your term life policy expires. One difference between term vs permanent life insurance is that term life only has cash value if you pass away while the policy is active. That\u2019s why term life is so affordable \u2013 it\u2019s just-in-case coverage if the unexpected happens.<\/p>\n<h2><strong>What is permanent life insurance?<\/strong><\/h2>\n<p><a href=\"https:\/\/fidelitylife.com\/life-insurance\/permanent-life-insurance\/\"><b>Permanent life insurance<\/b><\/a>, which includes whole life insurance, lasts your entire life as long as you pay your premiums. Because it lasts a lifetime, permanent life premiums are typically much higher than term life rates for similar coverage amounts. Another difference between term life insurance vs permanent life insurance is that permanent life insurance allows you to accrue cash value over time. A portion of your premium for permanent life goes toward the cash value in the policy, and you can withdraw from those funds as needed while you\u2019re still living. Keep in mind that those withdrawals will reduce your policy payout later if you don\u2019t pay them back.<\/p>\n<h2><strong>Term life insurance vs permanent life insurance: how are they different?<\/strong><\/h2>\n<p>Some of the key differences between term life and permanent life insurance include:<\/p>\n<h3>Cost<\/h3>\n<p>When comparing the cost of term life vs permanent life insurance, term life is much more affordable per dollar of coverage. Term life allows you to pick a coverage length and only pay for coverage during that specific time period, helping to keep overall costs down. With permanent life insurance, you\u2019re paying premiums on coverage that will last for the rest of your life. That lifelong coverage, along with the cash value component, are the main reasons why permanent life insurance is more expensive.<\/p>\n<p><strong>Best value: Term life is more affordable than permanent life and the best value for most families.<\/strong><\/p>\n<h3><strong>Coverage Length<\/strong><\/h3>\n<p>Another one of the differences between term and permanent life insurance is that, with term life insurance, you\u2019re able to <a href=\"https:\/\/fidelitylife.com\/life-insurance-basics\/term-life-insurance-101\/choosing-a-life-insurance-term-length\/\">choose your coverage length<\/a>, which is typically available in 10, 15, 20, and 30-year periods. This is beneficial if you\u2019re hoping to cover your family for a set period of time, like until your child finishes college or trade school. Alternatively, permanent life insurance lasts for a lifetime, so you won\u2019t have to worry about your coverage ending.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-61494\" src=\"https:\/\/fidelitylife-staging-assets.thisismess.io\/uploads\/2020\/12\/7f1df63c-termvwhole-2-r1rev@2x.png\" alt=\"\" width=\"1580\" height=\"801\" \/><\/p>\n<p>Here, the best policy depends on your individual needs. If you only need coverage to provide peace of mind during a set period of time, then term life is the best policy for you. If you\u2019d prefer to have coverage throughout your life, then permanent life insurance is the way to go.<\/p>\n<p><strong>Best coverage length: Depends on your needs. Term life is best if you only need coverage for a set period of time; permanent life is best for guaranteeing a payout no matter how long you live.<\/strong><\/p>\n<h3><strong>Convertible Policies<\/strong><\/h3>\n<p>The convertible option is one of the most straightforward comparisons between term life and permanent life insurance. In some cases, a term life policy can be converted to a permanent life policy. However, you can\u2019t convert a permanent life policy into a term life policy. For this reason, if you\u2019re on the fence about which policy you want, it\u2019s best to talk to your life insurance agent. They can help you explore options for term life policies you can potentially turn into a permanent life policy later on.<\/p>\n<p><strong>Best convertible policy: Term life insurance, since it can often be converted into a permanent life policy. A permanent life policy can\u2019t be converted into a term life policy.<\/strong><\/p>\n<h3><strong>Cash Value<\/strong><\/h3>\n<p>Another straightforward term vs permanent life insurance comparison is cash value. With permanent life insurance, your policy can accrue cash value over time. Once it reaches a certain level, you can borrow from the cash value and spend that money how you like (although you\u2019ll need to pay it back to avoid reducing your death benefit). Term life policies don\u2019t accumulate cash value, since you\u2019re just paying for protection during the set time period of your policy. Once you reach the end of the term, the policy simply expires.<\/p>\n<p><strong>Best cash value policy: If you want a policy with cash value, choose permanent life. Term life policies don\u2019t accumulate cash value since the policy is effective for a set period of time.<\/strong><\/p>\n<div class=\"acf-field stream_1_remove_padding\">0<\/div>\n<div class=\"acf-field stream_1_remove_padding_select\">remove-bottom-padding<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-2\">\n<div class=\"acf-field stream_2_circles_theme_generated_in_functions\">default<\/div>\n<div class=\"acf-field stream_2_style\">table-white<\/div>\n<div class=\"migrated-grid repeater-rows\">\n<div class=\"migrated-card card-0\">\n<div class=\"acf-field stream_2_rows_0_column_2\">Term Life<\/div>\n<div class=\"acf-field stream_2_rows_0_column_3\">Permanent Life<\/div>\n<\/div>\n<div class=\"migrated-card card-1\">\n<div class=\"acf-field stream_2_rows_1_column_1\">LENGTH OF COVERAGE<\/div>\n<div class=\"acf-field stream_2_rows_1_column_2\">You choose a term length (10, 15, 20, or 30 years) based on your needs.<\/div>\n<div class=\"acf-field stream_2_rows_1_column_3\">Your coverage lasts your lifetime, as long as you pay your premiums.<\/div>\n<\/div>\n<div class=\"migrated-card card-2\">\n<div class=\"acf-field stream_2_rows_2_column_1\">PREMIUM<\/div>\n<div class=\"acf-field stream_2_rows_2_column_2\">Term life premiums are usually the most affordable.<\/div>\n<div class=\"acf-field stream_2_rows_2_column_3\">Permanent life premiums are more expensive than term premiums for the same coverage.<\/div>\n<\/div>\n<div class=\"migrated-card card-3\">\n<div class=\"acf-field stream_2_rows_3_column_1\">MEDICAL EXAM<\/div>\n<div class=\"acf-field stream_2_rows_3_column_2\">A medical exam is not always required.<\/div>\n<div class=\"acf-field stream_2_rows_3_column_3\">A medical exam is usually required \u2013 but not with Fidelity Life.<\/div>\n<\/div>\n<div class=\"migrated-card card-4\">\n<div class=\"acf-field stream_2_rows_4_column_1\">GUARANTEED PAYOUT<\/div>\n<div class=\"acf-field stream_2_rows_4_column_2\">Yes, a payout is guaranteed for the duration of your term as long as premiums are paid.<\/div>\n<div class=\"acf-field stream_2_rows_4_column_3\">Yes, a payout is guaranteed for the life of your policy as long as premiums are paid.<\/div>\n<\/div>\n<div class=\"migrated-card card-5\">\n<div class=\"acf-field stream_2_rows_5_column_1\">CASH VALUE<\/div>\n<div class=\"acf-field stream_2_rows_5_column_2\">A term life policy does not build cash value.<\/div>\n<div class=\"acf-field stream_2_rows_5_column_3\">A permanent life policy can build tax-deferred cash value.<\/div>\n<\/div>\n<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-3\">\n<div class=\"acf-field stream_3_circles_theme_generated_in_functions\">default<\/div>\n<p class=\"acf-field stream_3_text\">\n<h2><strong>Term vs permanent life insurance: which should you pick?<\/strong><\/h2>\n<p>When it comes to life insurance, there is no one-size-fits-all. The best policy for you depends on what you and your family need.<\/p>\n<p>If you have a time-bound financial goal or risk, like making sure your kids have enough money to live on until they\u2019re grown, then term life insurance is most likely the best policy choice for you. If you want lifelong coverage with cash value, then permanent life insurance may be a better fit for you. For example, some people have a few years left on a term policy and buy a separate final expense policy to provide a guaranteed cash cushion for funeral expenses.<\/p>\n<p>Still trying to decide which policy may be right to protect your family\u2019s financial future? One of our licensed representatives can help you explore your options and answer any questions.<\/p>\n<h2><strong>Term Life Insurance Policies from Fidelity Life<\/strong><\/h2>\n<p><a href=\"\/life-insurance\/term-life-insurance\/rapidecision-life\/\"><b><i>RAPID<\/i><\/b>ecision<\/a><a href=\"\/life-insurance\/term-life-insurance\/rapidecision-senior-term-life-insurance\/\">\u00ae<\/a><a href=\"\/life-insurance\/term-life-insurance\/rapidecision-life\/\"> Life<\/a><\/p>\n<p><a href=\"\/life-insurance\/term-life-insurance\/rapidecision-senior-term-life-insurance\/\"><b><i>RAPID<\/i><\/b>ecision\u00ae Senior Life Term<\/a><\/p>\n<h2><strong>Permanent Life Insurance Policies from Fidelity Life<\/strong><\/h2>\n<p><a href=\"\/life-insurance\/term-life-insurance\/rapidecision-senior-term-life-insurance\/\"><b><i>RAPID<\/i><\/b>ecision<\/a><a href=\"\/life-insurance\/term-life-insurance\/rapidecision-senior-term-life-insurance\/\">\u00ae<\/a><a href=\"\/life-insurance\/term-life-insurance\/rapidecision-senior-term-life-insurance\/\"> Senior Whole Life<\/a><\/p>\n<p><a href=\"\/life-insurance\/final-expense-insurance\/rapidecision-final-expense-insurance\/\"><b><i>RAPID<\/i><\/b>ecision<\/a><a href=\"\/life-insurance\/term-life-insurance\/rapidecision-senior-term-life-insurance\/\">\u00ae<\/a><a href=\"\/life-insurance\/final-expense-insurance\/rapidecision-final-expense-insurance\/\"> Final Expense<\/a><\/p>\n<div class=\"acf-field stream_3_remove_padding\">1<\/div>\n<div class=\"acf-field stream_3_remove_padding_select\">remove-top-padding<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-4\">\n<div class=\"acf-field stream_4_circles_theme_generated_in_functions\">default<\/div>\n<div class=\"migrated-grid repeater-features\">\n<div class=\"migrated-card card-0\">\n<div class=\"acf-field stream_4_features_0_title\">Calculator<\/div>\n<p><img decoding=\"async\" src=\"https:\/\/assets.fidelitylife.com\/uploads\/2019\/08\/calculator.svg\" alt=\"stream_4_features_0_icon\" class=\"migrated-media id-99\" style=\"max-width:100%; height:auto;\" \/><\/p>\n<div class=\"acf-field stream_4_features_0_use_post_from_blog\">0<\/div>\n<div class=\"acf-field stream_4_features_0_description\">With just a few pieces of information, you can calculate your life insurance needs. We make it easy to get a quote when you&#8217;re ready.<\/div>\n<p><a href=\"\/life-insurance-calculator\/term-life-insurance-calculator\/\" target=\"\" class=\"acf-link\">Learn More<\/a>\n<\/div>\n<div class=\"migrated-card card-1\">\n<div class=\"acf-field stream_4_features_1_title\">Who needs life insurance?<\/div>\n<p><img decoding=\"async\" src=\"https:\/\/assets.fidelitylife.com\/uploads\/2019\/08\/insight.svg\" alt=\"stream_4_features_1_icon\" class=\"migrated-media id-98\" style=\"max-width:100%; height:auto;\" \/><\/p>\n<div class=\"acf-field stream_4_features_1_use_post_from_blog\">0<\/div>\n<div class=\"acf-field stream_4_features_1_description\">Most adults could benefit from having life insurance. Find out how life insurance can protect the life you&#8217;ve built and the people you love.<\/div>\n<p><a href=\"\/life-insurance-basics\/who-needs-life-insurance\/\" target=\"\" class=\"acf-link\">Learn More<\/a>\n<\/div>\n<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-5\">\n<div class=\"acf-field stream_5_enable\">1<\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>default [MISSING IMAGE ID: 0 &#8211; Not found in Media XML] style-blue Term vs Permanent Life Insurance content_short Key takeaways Term life insurance provides coverage for a set period of time and is the most affordable type of coverage. Permanent life insurance lasts your entire life as long as you pay your premium and also [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":455228,"parent":400286,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-222023","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Term vs. Permanent Life Insurance | Fidelity Life<\/title>\n<meta name=\"description\" content=\"Trying to decide between term vs permanent life insurance? 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