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Advantages to Buyer  

Lower initial outlay. At first, may be able to buy more insurance for less cost.  

Fixed premium amount.
Can take a loan against policy, or surrender policy for some cash.  

More flexibility.
Takes advantage of current interest rates.  

You can choose to invest your money in stocks, bonds, money market or other accounts.  

Disadvantages to Buyer  

Premium increases each time a new term starts. The insurance company is free to substantially raise premiums if your health changes.  

Dividends can be hurt by low interest rates. You will lose money if you cash it in. Usually no cash surrender value for at least 3-5 years.  

Same as Whole Life Insurance and you assume greater risks due to program flexibility.  

Same as Whole Life Insurance and you bear all the investment risk.  

Options  

May be renewable and/or convertible to a whole life policy.  

Partial cash surrenders may be permitted.  

Minimum death benefit.
Partial cash surrenders permitted.  

May offer a guaranteed minimum death benefit.  

 



 

How Much Will Life Insurance Cost?  
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