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Life insurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a sum of money upon the occurrence of the insured's death. In return, the policy owner agrees to pay a stipulated amount called a premium at regular intervals. Whole Life Insurance is a life insurance policy that remains in force for the insured's whole life and requires premiums to be paid every year into the policy. There are several types of whole life insurance policies.Some traditional forms: non-participating, participating, indeterminate premium, economic, limited pay, and single premium. A newer type is known generally as interest sensitive whole life. Other jurisdictions may classify them differently, and not all companies offer all types. It should be noted that there are as many types of insurance policies as can be written in their contracts while staying within the law's guidelines. |
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