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Accelerated term life insurance is a type of life insurance policy that combines the benefits of traditional term life insurance with an additional feature that allows policyholders to access a portion of their death benefit while they are still alive if they are diagnosed with a qualifying terminal illness.
Type of life insurance policy that offers immediate coverage upon approval of the application. It is designed to provide financial protection for a specified term, typically ranging from 10 to 30 years.
What sets instant term life insurance apart is its streamlined application and underwriting process.
Similar to traditional term life insurance, while offering the potential for a refund of premiums if the policyholder outlives the policy. It can be an appealing option for individuals who desire life insurance coverage but also value the possibility of receiving a return on their investment if they don't make a claim.
Whole life insurance is often considered as a long-term financial planning tool, as it combines lifelong coverage with the potential for cash accum. It offers a combo of protection and savings, making it suitable for individuals who want permanent life insurance coverage and the potential for building cash value over time.