Life insurance is important for anyone with a spouse or family. In estimating this chance, the insurance companies put their main emphasis upon a person’s age. The longer the period of time a policy is to cover, the larger the premium rate is.


Most policies have a cash surrender monetary worth. The great majority of policies are a combination of life insurance and a systematic savings plan. In some, after only a few years the surrender value exceeds the original death value, and from then on, the policy is wholly a savings plan, with no real life insurance. On some whole-life policies the minimum death monetary worth is very much larger than the traditional $1,000, and this permits the company to charge a lower premium rate than with a smaller minimum. Life insurance doesn’t do much good if the payout value is less than the policy is worth.

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