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Non-Guaranteed Term Life (기간성보험)
보상내용
Non-guaranteed term life provides coverage only for a short time (usually a year) and is pure death benefit protection. The risk with term life is that your health might deteriorate and you could be unable to get another policy once the term is up. Premiums can also increase dramatically as you age. Term life insurance is a good choice for young people who can't afford the higher costs of permanent insurance, or for people with financial obligations that will disappear in time, such as a car loan or a mortgage.
Annual Renewable and Convertible Term (원금환급형)
보상내용
Annual renewable term insurance policies are for multiple years, usually 10, 20 or 30 years. By buying a longer term policy, your costs can be stretched out to avoid the annual increases found in non-guaranteed term life.

Convertible term is similar to annual renewable term, but it offers the opportunity to convert the coverage to a permanent policy in the future ? when regular term premiums might become cost-prohibitive because of your age or health. This is a good choice for young people, who are unable to afford the higher cost of permanent insurance right now.

Whole Life or Ordinary Life
보상내용
Similar to annual renewable term and convertible term, whole life policies stretch out the cost of insurance over a longer period of time. With whole life policies; however, the costs are spread out over your entire life. Once your premiums are paid up, the excess dollars are invested by the company. In essence the insurance company is managing the investment of your excess premiums, and that’s why your choice of company is so important.

With this type of policy; however, the inflexibility of premium payments could become a burden if your expenses increase or if you lose your job.
Universal Life
보상내용
This option offers greater flexibility than whole or term life. After your initial payment, you have the option of reducing or increasing the amount of your death benefit. If you choose to increase your benefit, you may have to provide medical proof that your health has not deteriorated. Also, after your initial payment, you can pay premiums any time and in any amount, as long as you don’t miss a payment. In some cases, there are limits to how much extra you can pay in advance premiums.

You will need to manage these policies to maintain sufficient funding, especially because the insurance company can increase charges.
Variable Life 변동형생명보험
보상내용
As the name suggests, Variable Life policies offer fluctuating benefits. That’s because the insurance company invests your premiums. The insurance company offers you a choice of funds, in which your money will be invested. The amount of money your beneficiaries will receive and the cash value of your policy depend on how well the insurance company invests your money.
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