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PERMANENT
LIFE INSURANCE
Permanent
life insurance provides lifelong protection.
As long as you pay the premiums, the death
benefit will be paid. These policies are
designed and priced for you to keep over
a long period of time.
Permanent policies are known by a variety
of names: ordinary, whole, universal, adjustable
and variable life. Most permanent policies
have a feature known as "cash value"
or "cash surrender value."
Whole Life or ordinary
life insurance is the most common
type of permanent insurance. The premiums
generally remain constant over the life
of the policy and must be paid periodically
in the amount indicated in the policy.
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