Life Insurance Tips

1. Term Life Insurance with return of premium: 
   This is more expensive than term life insurance 
   but after the term is up you get all of your 
   premiums back.

2. Term Life Insurance - This is coverage for a set 
   amount for a set time period. Generally it is 
   inexpensive.

3. Investement Life Insurance - There are several 
   types of invested life insurance. 

•  Whole Life

•  Whole Life Participating 

•  Universal Life

In some cases you get the life insurance coverage free 
and you can make a good profit as well. This type of 
coverage is generally more expensive than term 
life insurance.

4. What determines rates: Age, Sex, Health, LifeStyle, Job Type.