Feliciano Insurance Tyler Texas

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Life Insurance Policies


Life Insurance Policies

Life Insurance Policy Characteristics

Term Policies

  • Protection for a limited time - generally to 70
  • Low initial premium, but rising with each renewal
  • Level Death Benefit, unless a reducing benefit plan
  • No cash values will accumulate

Whole Life Insurance Policies

  • Protection continues to age 100, thus the permanent name
  • Premium does not increase; may even reduce or cease
  • Level or increasing death benefit

Universal Life Insurance Policies

  • Protection continues to age 100
  • Premium amount is flexible, may reduce, and could increase
  • Death benefit is flexible, can be reduced if desired
  • Cash value growth reflects the interest rate environment
  • Policy owner may alter structure to suit future needs

Variable Life Insurance Policies

  • Protection continues to age 100
  • Premiums can be fixed, but are generally flexible
  • Death benefit is flexible, can be reduced if desired
  • Cash value growth reflects equity (stock) environment
  • Policy owner may alter structure to suit future needs
  • Policy owner may shift investments for diversification

Variable Univeral Life (VUL)

  • Protection continues to age 100 or 104
  • Premium amount is flexible, may reduce or increase
  • Death benefit is flexible and may be reduced
  • Cash value growth reflects equity (stock) accounts or may be fixed accounts
  • Investment allocations may be altered
  • Investment deposit allocations may be altered
  • Policy owner may alter structure of policy to fit future need
  • Loans may be taken based on policy values, subject to limitations and then current interest charges and credits

Participating Insurance Policies

Policies are written by mutual (and a few stock) companies in such a fashion as to permit the gains from investments, mortality and operating efficiencies to be passed on to the policyowner.

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