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Types of Life Insurance - Permanent & Term Life Insurance Claymont DE

Permanent life insurance provides you with a saving's account coupled with a life insurance policy, in most cases. Premiums tend to be higher in part because many of these policies will develop a 'cash value' over time. Now, if you really want to save money you are generally better off with a savings account.

Frank M. Levy (RFC®), CHFC, CLU
(302) 765-3500
205 Philadelphia Pike
Wilmington, DE
Company
Diversified Financial Consultants
Qualifications
Years of Experience: 34
Membership
IARFC, MDRT
Services
Invoice, Estate Planning, Business Planning, Pension Planning, Executive Compensation Planning, personal Coach, Retirement Planning, Tax Planning, Employee Benefits, Stocks and Bonds, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Group Insurance, Charitable Planning, Education Plan, Asset Protection, Compensation Plans

Data Provided by:
Bill Curry
1521 Concord Pike
Wilmington, DE
Company
Company: Curry Poole Group, LLC
Type
Investment Advisor Rep: Yes
Registered Investor: Yes
Education
BS
MBA
JD
Years Experience
Years Experience: 42
Service
Pension for Highly Compensated Owners,Stock Market Alternative,Reverse Mortgage,Medicare Planning,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Hourly Financial Planning Engagements,Portfolio Engineering,Mortgage Refinancing,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Alternative Investments,Life Insurance,Investment & Portfolio Man

Data Provided by:
Brian K. Lureen (RFC®), CHFC, CLU
(610) 889-2066
5 Great Valley Pkwy Ste 334
Malvern, PA
Company
Heritage Advisory Services, Inc.
Qualifications
Education: BS
Years of Experience: 21
Membership
IARFC, FPA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Trustee Service, Pension Planning, Executive Compensation Planning, Retirement Planning, Tax Planning, Tax Returns, Seminars Work, Employee Benefits, Stocks and Bonds, Mutual Funds, Mortgage Loans, CommOptions, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Charitable Planning, BuySell, Compensation Plans

Data Provided by:
Philip M. Harris (RFC®), LUTCF
(215) 557-7622
1800 John F. Kennedy Blvd., Suite 460
Philadelphia, PA
Company
Financial Integrity Resources Management, LLC
Qualifications
Years of Experience: 22
Membership
IARFC
Services
Invoice, Estate Planning, Portfolio Management, Pension Planning, Retirement Planning, Seminars Work, Employee Benefits, Stocks and Bonds, Mutual Funds, Mortgage Loans, CD Banking, Annuities, Life Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Charitable Planning, Education Plan, Compensation Plans

Data Provided by:
David Waters
1429 Walnut Street
Philadelphia, PA
Company
Title: Vice President
Company: Professional Planning Associates
Type
Investment Advisor Rep: Yes
Education
Dickinson College/BA in Economics
Years Experience
Years Experience: 30
Service
Portfolio Engineering,Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Disability Insurance,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Individual Income Tax Planning,Fee Only Portfolio Management,High Yield Bank Accounts,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Medicare Planning,Life Insurance,Investment & Portfo

Data Provided by:
Jeff Bonifacino
1521 Concord Pike
Wilmington, DE
Company
Title: Financial Advisor
Company: Rockwell Associates
Years Experience
Years Experience: 26
Service
Wealth Engineering,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Health Care Insurance,Retirement Planning,Long-Term Health Care Planning,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Portfolio Engineering,401k Rollover From Employer,Income for Life/ Preserve Principal,Disability Insurance,Annuities,Real Estate Investment Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulatio

Data Provided by:
Keith Al-Chokhachy, Certified Financial Planner(tm)
2751 Centerville Road
Wilmington, DE
Company
Title: Certified Financial Planner"
Company: Morgan Stanley Smith Barney
Years Experience
Years Experience: 8
Service
Captive Insurance,Life Settlements,Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Health Care Insurance,Retirement Planning,Real Estate Investment Planning,Commission-Only Financial Planning (Full Disclosure),Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Hourly Financial Planning Engagements,Fee Only Portfolio Management,Wealth Engineering,Mortgage Refinancing,IRA, 401k, Roth IRA, QDRO Rol

Data Provided by:
Shane Couturier
958 County Line rd.
Bryn Mawr, PA
Service
Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Disability Insurance,Retirement Planning,Real Estate Investment Planning,Commission-Only Financial Planning (Full Disclosure),Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Annuities,Alternative Asset Class Planning,Investment Con

Data Provided by:
Chris McKee ChFC.
747 Constitution Drive
Exton, PA
Company
Title: Managing Partner
Company: uFinancial Group
Type
Investment Advisor Rep: Yes
Education
Undergraduate - University of Miami
Graduate School - Temple University
The American College
Years Experience
Years Experience: 25
Service
Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,401k Rollover From Employer,CD Alternative,Disability Insurance,Investment & Portfolio Management,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Pension for Highly Compensated Owners,Income for Life/ Preserve Principal,Alternative Investments,Life Insurance,Annuity Ideas & Strategy Planning,Planning For Personal Finances &

Data Provided by:
Patricia Egberts Inc.
(856) 481-4817
1575 Almonesson Road
Deptford, NJ
 
Data Provided by:

Types of Life Insurance - Permanent & Term Life Insurance

Provided By: 

Types Of Life Insurance

Life insurance gives you some options

In most cases, term life insurance is your best buy. This is because your need for life insurance actually decreases over time - when your mortgage is paid off, when the kids are already through college and on their own or when you are into your retirement years.

Permanent life insurance provides you with a saving's account coupled with a life insurance policy, in most cases. Premiums tend to be higher in part because many of these policies will develop a 'cash value' over time. Now, if you really want to save money you are generally better off with a savings account. However, for some people, the need to 'liquidate' a life insurance policy in order to get the cash helps to protect these savings.

Think carefully. You'll pay a higher amount for the life insurance at the same time that you are getting the 'cash value' on the policy. Because it does develop a cash value, you are in fact increasing the risk to the life insurance company. Therefore, it's going to cost you more.

For more information regarding life insurance check out the following pages: Life Insurance , Why do I need life insurance , How do I decide what I need , What types of life insure can I get , Permanent life insurance , Whole life insurance , Universal life insurance , Term life insurance , Other types of life insurance and don't forget to check out the How can I reduce life insurance costs page.

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