A Resurrection Story.

During the decade of her life, my mummy often wound up in the hospice. One afternoon she got a new roommate, her 3rd.

The little grey-haired woman, whom I will call Mrs Anderson, was sleeping the far distant sleep of the almost-dead. She had left this planet in her mind, and her body was going to follow.

The theory of controlling your private info harkens back to faster times. Privacy is a casualty of modern existence - treated at present another cost of progress. Click now if you need stories about term vs whole life insurance. All of us reveals frequent, fresh reasons to miss its loss - as more of our non-public space is chipped away.

Still the Anderson children crooned to their mum, talked to her, held her hand, stroked her hair. She and I spent the subsequent 2 and a half hours in the guts of the infirmary. At 7 they wheeled Mother into her hospital room.

Term vs Whole Life Insurance

Term Life Insurance Vs Life Insurance (Whole Life) is a question commonly asked by people that are looking to buy life insurance, yet are not certain of what type of policy they should consider.

Term life is not permanent coverage. It is temporary and only lasts for a certain period of time specified in the policy. Term insurance is typically sold as Annual Renewable Term. This is a policy that renews every year with premiums increasing every year. The benefit of "Renewable Term" is that you are guaranteed to have insurance coverage regardless of health. Once the policy is in place, although your premiums do increase every year, you do not have to provide evidence of insurablity. Other common term policies are 3, 5, 10, 15, 20, 25 and 30 year term. The shorter the term of the policy, the lower the rates.

Life insurance (Whole Life ) is permanent coverage that lasts for the rest of your life. The death benefit, known as the face value of the policy, is guaranteed in the contract to never decrease. The premium payments that you pay to the insurance company are also guaranteed and will never increase. Whole life policies build what is called "Cash Value". After about three years, the policy builds a monetary value that can be paid to you, should you desire to either take a loan against the cash value or simply "surrender" the policy to the insurance company and thus receive a check in the amount due to you. Keep in mind that if you do surrender the policy to receive cash proceeds, the policy will no longer be in force or provide a death benefit to your beneficiaries.

With just your date of birth and basic information, you can compare term vs whole life insurance quotes and policies from several life insurance companies in one place, without having to be bothered with multiple forms. You're not applying for insurance... just taking a look at what each company can offer you so you can compare rates...

Article by Christy Love

Christy Love is a retired life insurance agent with over 30 years of experience in helping people protect what matters most... their families. As an Ezinearticles.com expert author, Christy enjoys sharing her knowledge of life insurance with the online community.