Based on the provider and the product, these policies can offer the death benefit up to the insured’s age 100/ 120. These policies are good to protect your permanent/ long term responsibilities, for e.g. income for your spouse, legacy for your children and grand children, estate planning and business solutions (employee incentives). Cash Value component of these policies can be used as incentives for employees and also to plan as supplemental income source during retirement.

Generally speaking Permanent Insurance are of the following types:
Whole Life
Universal Life
Variable Life
Index Universal Life

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