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Essay text:
If you have a spouse, child, parent, or some other individual who depends on your income, you probably need life insurance.
Life insurance protects your family in the event of death. Most people do not have the right amount of insurance. It is important to determine the amount that suits your needs. There are two basic types, term and permanent.
Term insurance is simply insurance you pay for coverage for a specified period of time. If you die within this period, your beneficiary receives the insurance benefit. Term policy premiums usually increase with age.
Permanent insurance, such as universal life, variable life and whole life insurance, contains a cash value account or an investment element to the insurance...
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