{"id":865,"date":"2024-12-02T12:21:15","date_gmt":"2024-12-02T12:21:15","guid":{"rendered":"http:\/\/localhost:8000\/life-insurance-for-diabetics-2\/"},"modified":"2024-12-02T12:21:15","modified_gmt":"2024-12-02T12:21:15","slug":"permanent-life-insurance","status":"publish","type":"page","link":"https:\/\/staging03.wordpress.fidelitylife.com\/?page_id=865","title":{"rendered":"What is 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<p class=\"acf-field stream_0_text\">What is Permanent Life Insurance?<\/p>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-1\">\n<div class=\"acf-field stream_1_circles_theme_generated_in_functions\">content<\/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\">Permanent life insurance offers lifelong coverage, your policy never expires.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Permanent policies may accumulate a cash value that you can borrow against.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Within the category of permanent insurance, there are several types of products<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Permanent life insurance is a type of life insurance policy that doesn\u2019t expire as long as you continue to pay the premiums. It\u2019s designed to last for your entire life, so you have a guaranteed way to leave behind financial support for those you choose.<\/p>\n<p>Protecting your family is important, which is why life insurance is so valuable in general. That said, not all life insurance is the same. When shopping for coverage, your two main options are term and permanent life insurance. Term life lasts for a certain period of time, while permanent life insurance provides lifelong coverage. Permanent is more expensive than term, but the added cost can be worth it if you need a guaranteed way to provide for your loved ones financially.<\/p>\n<p>Permanent life insurance builds cash value over time, too. That means it may also help you meet financial needs during your lifetime. You may be able to borrow from it during your lifetime or use the cash value to help fund a retirement account.<\/p>\n<h2>Does permanent life insurance expire?<\/h2>\n<p>A permanent life insurance policy is designed to last your entire life, from the time you buy it until you die or stop making payments.<\/p>\n<p>Most permanent policies today \u201cmature\u201d when the policyholder reaches the age of 121. At that point, the policy ends and the life insurance company pays out the death benefit. For most people, a permanent policy will pay out long before it matures, of course.<\/p>\n<h2>What is permanent life insurance for?<\/h2>\n<p>Wondering, \u201cShould I buy permanent life insurance?\u201d Permanent life insurance is designed to accomplish two things:<\/p>\n<ul>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">It provides a safety net or an inheritance for your family in the form of a death benefit which pays out after your death.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">It allows you to accumulate savings that you can borrow against later in the form of a cash loan.<\/li>\n<\/ul>\n<h2>How much does permanent life insurance cost?<\/h2>\n<p>Permanent life insurance is generally more expensive than term life insurance. That\u2019s because these plans come with added features and benefits beyond what term life offers.<\/p>\n<p>Term life insurance is designed to provide affordable protection right when you need it, like during the years you\u2019re raising a family or paying a mortgage. For many people, that level of coverage is enough. For others, like older adults who want a guaranteed way to cover funeral costs, permanent life can provide the peace of mind they need.<\/p>\n<p>Certain factors influence the cost of permanent life insurance, including your age, health, lifestyle, and how much coverage you\u2019re looking to buy. When you apply, the life insurance company will consider these factors and give you an estimated price for the policies you\u2019re interested in.<\/p>\n<p>To decide if permanent life insurance is the right investment, weigh the pros and cons. Consider how this policy fits into your budget, along with the benefits it offers to you and your loved ones. If you\u2019re unsure which is the best choice for your family, comparing term and permanent life insurance quotes can help you find the right fit.<\/p>\n<h2>How does permanent life insurance work?<\/h2>\n<p>With a permanent life policy, your premiums are usually set at a fixed rate. The death benefit is typically guaranteed. And, after a waiting period, your policy begins to accrue cash value. In some cases, the policy cash value can be cashed out completely.<\/p>\n<h2>Types of permanent life insurance<\/h2>\n<p>There are two main types of permanent life policies: whole life and universal life. Each policy has its distinct advantages.<\/p>\n<h3>Whole Life Insurance<\/h3>\n<p>A permanent whole life insurance policy has a fixed insurance premium and fixed payout, making it simple to budget for and manage. With whole life, the interest rate applied to your policy does not go up or down during your lifetime, creating a guaranteed death benefit.<\/p>\n<p>With whole life, the insurance company may share part of the earnings it achieves from investing the premiums of policyholders. The policy accrues a cash value that you can borrow against, usually at a low rate of interest and without a credit check. If you borrow or withdraw funds from your account and do not repay it, that may reduce the cash value and death benefit.<\/p>\n<p><a href=\"\/life-insurance-basics\/whole-life-insurance-101\/whole-life-insurance\/\">Learn more about whole life insurance<\/a>.<\/p>\n<h3>Universal Life Insurance<\/h3>\n<p>A permanent universal life insurance policy is designed to provide more flexibility than a whole life policy. It allows both your premiums and your death benefit to increase or decrease over your lifetime.<\/p>\n<p>With universal life insurance, each monthly premium you pay is divided between the death benefit and the cash value. Your life insurance company will charge you a minimum premium to maintain the policy. You can pay more than the minimum to grow the cash value in your policy faster.<\/p>\n<p>As you invest in your universal policy, the cash value grows at the current interest rate. It\u2019s not fixed, like it is with a whole life policy. Rates may grow or fall based on current market conditions, though they don\u2019t fall below a set minimum rate.<\/p>\n<p>How might permanent life insurance work for you? Could term life be a better fit? Here are some things to take into consideration before you buy.<\/p>\n<div class=\"acf-field stream_1_remove_padding\">0<\/div>\n<div class=\"acf-field stream_1_add_table_of_contents\">0<\/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<p class=\"acf-field stream_2_text\">\n<h2><strong>Advantages of permanent life insurance<\/strong><\/h2>\n<p>A permanent life policy can give you security for the rest of your life, and the ability to access funds if needed for major life events.<\/p>\n<p>A main benefit of permanent life insurance policies is they don\u2019t expire.\u00a0You don&#8217;t need to buy a new policy at the end of at term with a significantly higher premium due to your age and health.<\/p>\n<p>Permanent life policies enable you to take out a loan to pay off a home mortgage early, cover a child\u2019s college tuition, or even go on a vacation.<\/p>\n<p>You may also have the option to completely cash out a permanent life policy. Your cash value typically starts accruing\u00a0 after a few years. It increases slowly over time until it matches the face value of the policy. You can then withdraw the cash value completely and terminate the policy if desired.\u00a0Such a withdrawal could have tax consequences,\u00a0so consult a tax expert for specific impacts.<\/p>\n<h2><strong>How to choose the right permanent life insurance<\/strong><\/h2>\n<p>Wondering whether permanent life is right for you? Since premiums for permanent life insurance policies can be significantly higher than term, many people think they should start with a term life policy and switch to permanent coverage later in life. However, securing an available permanent life policy while you are young and healthy and have no medical issues can help you lock in lower premiums.<\/p>\n<p>When considering any life insurance policy, think about your budget, needs, and goals in buying coverage.<\/p>\n<p>If you decide permanent coverage is the way to go, think about the options available and which fits your life best now. Key things to keep in mind include:<\/p>\n<ul>\n<li><b>Your eligibility.<\/b> Certain policies, like <a href=\"https:\/\/fidelitylife.com\/life-insurance\/final-expense-insurance\/\">final expense insurance<\/a>, are designed for older adults. Health considerations may play a role in some policies, too.<\/li>\n<li><b>Your budget.<\/b> How much do you want to spend per month on premiums?<\/li>\n<li><b>Coverage amount. <\/b>Some permanent policies come in larger amounts to help cover big expenses, like supporting a spouse in retirement. Others offer smaller coverage amounts at more affordable rates to help cover funeral expenses or other end-of-life costs.<\/li>\n<li><b>Cash value. <\/b>Determine if the ability to borrow from your policy during your lifetime is a feature that\u2019s important to you. For example, do you want to have access to the cash value during your retirement years? If so, look into the policy\u2019s rules and how soon you can tap into the cash value after buying a policy.<\/li>\n<\/ul>\n<p>The easiest way to get started is to request <a href=\"https:\/\/fidelitylife.com\/life-insurance\/permanent-life-insurance\/#get-quote\">permanent life insurance quotes<\/a>. Compare prices of the plans you\u2019re interested in, and talk to a life insurance agent to compare features of specific plans and make the right choice.<\/p>\n<h2><strong>Permanent life from Fidelity Life<\/strong><\/h2>\n<p>A permanent life policy can give you significant peace of mind. If you are interested in lifelong financial protection, Fidelity Life offers several whole life insurance products.<\/p>\n<ul>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\"><a href=\"\/life-insurance\/term-life-insurance\/rapidecision-senior-term-life-insurance\/\"><strong><em>RAPID<\/em><\/strong>ecision\u00ae Senior Life<\/a><\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\"><a href=\"\/life-insurance\/final-expense-insurance\/rapidecision-guaranteed-issue-life-insurance\/\"><strong><em>RAPID<\/em><\/strong>ecision\u00ae Guaranteed Issue<\/a><\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\"><a href=\"\/life-insurance\/final-expense-insurance\/rapidecision-final-expense-insurance\/\"><strong><em>RAPID<\/em><\/strong>ecision\u00ae Final Expense<\/a><\/li>\n<\/ul>\n<div class=\"acf-field stream_2_add_table_of_contents\">0<\/div>\n<div class=\"migrated-grid repeater-rows\">\n<div class=\"migrated-card card-0\">\n<p class=\"acf-field stream_2_rows_0_columns_0_text\">Policy type<\/p>\n<p class=\"acf-field stream_2_rows_0_columns_1_text\">Term life<\/p>\n<p class=\"acf-field stream_2_rows_0_columns_2_text\">Whole life<\/p>\n<p class=\"acf-field stream_2_rows_0_columns_3_text\">Universal life<\/p>\n<div class=\"acf-field stream_2_rows_0_columns\">4<\/div>\n<\/div>\n<div class=\"migrated-card card-1\">\n<p class=\"acf-field stream_2_rows_1_columns_0_text\">Length of coverage<\/p>\n<p class=\"acf-field stream_2_rows_1_columns_1_text\">Set length of time, typically 10, 15, 20, or 30 years<\/p>\n<p class=\"acf-field stream_2_rows_1_columns_2_text\">Your entire lifetime<\/p>\n<p class=\"acf-field stream_2_rows_1_columns_3_text\">Your entire lifetime<\/p>\n<div class=\"acf-field stream_2_rows_1_columns\">4<\/div>\n<\/div>\n<div class=\"migrated-card card-2\">\n<p class=\"acf-field stream_2_rows_2_columns_0_text\">Death benefit<\/p>\n<p class=\"acf-field stream_2_rows_2_columns_1_text\">Guaranteed fixed amount<\/p>\n<p class=\"acf-field stream_2_rows_2_columns_2_text\">Guaranteed fixed amount<\/p>\n<p class=\"acf-field stream_2_rows_2_columns_3_text\">Death benefit can go up or down based on market performance<\/p>\n<div class=\"acf-field stream_2_rows_2_columns\">4<\/div>\n<\/div>\n<div class=\"migrated-card card-3\">\n<p class=\"acf-field stream_2_rows_3_columns_0_text\">Premiums<\/p>\n<p class=\"acf-field stream_2_rows_3_columns_1_text\">Stay the same throughout the policy<\/p>\n<p class=\"acf-field stream_2_rows_3_columns_2_text\">Level premiums throughout lifetime<\/p>\n<p class=\"acf-field stream_2_rows_3_columns_3_text\">Adjustable, with minimum requirements<\/p>\n<div class=\"acf-field stream_2_rows_3_columns\">4<\/div>\n<\/div>\n<div class=\"migrated-card card-4\">\n<p class=\"acf-field stream_2_rows_4_columns_0_text\">Cash value<\/p>\n<p class=\"acf-field stream_2_rows_4_columns_1_text\">No<\/p>\n<p class=\"acf-field stream_2_rows_4_columns_2_text\">Yes<\/p>\n<p class=\"acf-field stream_2_rows_4_columns_3_text\">Yes<\/p>\n<div class=\"acf-field stream_2_rows_4_columns\">4<\/div>\n<\/div>\n<div class=\"migrated-card card-5\">\n<p class=\"acf-field stream_2_rows_5_columns_0_text\">Cost<\/p>\n<p class=\"acf-field stream_2_rows_5_columns_1_text\">Least expensive option<\/p>\n<p class=\"acf-field stream_2_rows_5_columns_2_text\">More expensive than term<\/p>\n<p class=\"acf-field stream_2_rows_5_columns_3_text\">More expensive than term<\/p>\n<div class=\"acf-field stream_2_rows_5_columns\">4<\/div>\n<\/div>\n<div class=\"migrated-card card-6\">\n<p class=\"acf-field stream_2_rows_6_columns_0_text\">Interest rate<\/p>\n<p class=\"acf-field stream_2_rows_6_columns_1_text\">N\/A<\/p>\n<p class=\"acf-field stream_2_rows_6_columns_2_text\">Interest rate fixed<\/p>\n<p class=\"acf-field stream_2_rows_6_columns_3_text\">Interest rates may change over time<\/p>\n<div class=\"acf-field stream_2_rows_6_columns\">4<\/div>\n<\/div>\n<\/div>\n<\/section>\n<hr\/>\n<section class=\"migrated-section row-3\">\n<div class=\"acf-field stream_3_remove_padding\">0<\/div>\n<div class=\"acf-field stream_3_circles_theme_generated_in_functions\">default<\/div>\n<div style=\"color:red; font-weight:bold; border: 1px solid red; padding: 5px;\">[MISSING IMAGE ID: 1 &#8211; Not found in Media XML]<\/div>\n<p><img decoding=\"async\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2019\/10\/fc5ef15f-image-copy.jpg\" alt=\"stream_3_mobile_image\" class=\"migrated-media id-423\" style=\"max-width:100%; height:auto;\" \/><br \/>\n<img decoding=\"async\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2024\/03\/4c7fb4e1-life_insurance_resources.jpeg\" alt=\"stream_3_desktop_image\" class=\"migrated-media id-648523\" style=\"max-width:100%; height:auto;\" \/><\/p>\n<div class=\"acf-field stream_3_style\">style-purple<\/div>\n<div class=\"acf-field stream_3_title\">Find a policy that works for you<\/div>\n<p><a href=\"#get-quote\" target=\"\" class=\"acf-link\">Get Started<\/a><\/p>\n<div class=\"acf-field stream_3_description\">There are a range of affordable Fidelity Life products to choose from based on your situation and financial responsibilities.<\/div>\n<div class=\"acf-field stream_3_page\">Default<\/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\">Life insurance 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\/09\/icon-faq.svg\" alt=\"stream_4_features_1_icon\" class=\"migrated-media id-341\" 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 What is Permanent Life Insurance? content Key takeaways Permanent life insurance offers lifelong coverage, your policy never expires. Permanent policies may accumulate a cash value that you can borrow against. Within the category of permanent insurance, there are several types of products &nbsp; Permanent life insurance is a type of life insurance policy that [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1089,"parent":400286,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-865","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>Permanent Life Insurance Explained | Fidelity Life<\/title>\n<meta name=\"description\" content=\"Permanent life insurance is a life insurance policy that doesn\u2019t expire as long as your premiums continue to be paid. 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