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 T here are lots of advantages attached to whole life insurance, but before I proceed, you need to understand that life insurance falls into two very broad categories: Whole and term.  The basic difference between term and whole life insurance is this: A term policy is life coverage only. In a whole life insurance policy, as long as one continues to pay the premiums, the policy does not expire for a lifetime.  As the term applies, whole life insurance provides coverage for the whole life or until the person reaches the age of 100.  One of the advantages of Whole life insurance policies is that it builds up a cash value (usually beginning after the first year).  With whole life, you pay a fixed premium for life instead of the increasing premiums found on renewable term life insurance policies.  In addition, whole life insurance has a cash value feature that is guaranteed.  In term and whole-life, the full premium must be paid to keep the insurance. With...

  Having access to affordable health insurance cannot be overemphasized as it helps to  reduce financial risk But first of all lets talk about what insurance is before we can talk about how to access affordable health insurance. Insurance is a system to manage your risk. When you buy insurance,  you buy protection against unforeseen financial losses.  The insurance company pays you or someone you choose if something unexpected happens to you. If you have no insurance and anything happens to you, you may be responsible for all related costs. Having access to affordable health Insurance for unexpected happenings you may encounter can make a huge impact in your life. An insurance policy is a written contract between the policyholder (the person or company that gets the policy) and the insurer (the insurance company). The policyholder is not necessarily the insured. An individual or company may get an insurance policy (making them the policyholder) that protects another ...