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Flexible. Insurance premiums are based on your age at the time you purchase the policy. Most policies allow you to change your insurance premium payments, but this will affect your death benefit, cash value, or both. Universal life insurance stays in force until your maturity date, which is generally when you reach age 95 or 100 as long as you have $1 or more in cash value. On the maturity date, coverage ends and you receive the cash value. Permanent life insurance premiums are higher than term life insurance premiums.

That's because of the savings features and because you're buying coverage for a longer period. But if you buy a permanent life insurance policy at a young age and keep it, chances are your insurance premium will be cheaper than a term life insurance premium you buy when you're middle-aged or older. . This is because insurance premiums are based on your age when you purchase the policy. The company will send you an annual report with the amount of your cash value and how long the policy can last. The estimate is based on the amount of the cash value, as well as the cost of insurance and other factors. Regularly review the report.

You may have to pay more in insurance premiums to keep the policy in force until the maturity date. The two most common variations of permanent insurance are ordinary life insurance (whole life insurance, for its name in English) and universal life insurance. Most group life insurance is term life insurance, but some groups also offer permanent life insurance policies. The amount of coverage is often limited.

A basic group policy through your job usually has a death benefit equal to one or two times your annual salary. Other group policies limit the death benefit to a fixed amount, such as $100,000 for a term life insurance policy and $50,000 for permanent life insurance. Companies typically pay the death benefit in one lump sum, but there are other payment options. You or the beneficiary choose how the death benefit will be paid.

Common payment options include: If you already have a life insurance policy, you may not need credit life insurance. Instead, you can assign part of the death benefits to the lender to pay off the loan balance. Good option if you want coverage for a specific period, such as when you're starting a family.

You can convert to a permanent life policy or renew without going through a medical exam. Insurance premiums will increase each time you renew the policy. It does not allow you to generate savings.

Universal life insurance is more flexible than ordinary life insurance. You can change the amount of your death benefit insurance premium. But any changes you make could affect how long your coverage lasts. If your insurance premiums are lower than the cost of insurance, the difference is taken from the cash value. If the cash value reaches zero, your policy could be voided.

Some universal life insurance policies contain a no-lapse guarantee. If your insurance premium payments are not enough to cover the cost of insurance, the no-expiry insurance guarantee prevents the policy from expiring. You must pay your insurance premiums on time for the guarantee to apply. Your whole life, if you keep the policy. Permanent life insurance allows you to build savings over time.

You can withdraw, invest, or use it to borrow against these savings. You can also use it to pay insurance premiums. These types of life insurance provide only specific coverage: insurance premiums The period you choose, usually one year, five to 30 years or more.

You can usually add features or other coverage to your policy to better suit your needs. This is done by purchasing riders for your policy. Some of the more common additional clauses are:

Insurance premiums will remain the same throughout the term. They will increase if you renew them at the end of the term. This is because your new insurance premium will be based on your age when you renew, not the age you were when you originally purchased the policy. To help avoid higher insurance premiums in the future, consider purchasing a policy with a longer term. Some employers and groups, such as churches, unions, and other associations, offer group life insurance to their employees and members. The underwriting criteria for group life insurance are not as strict.

You generally do not have to answer questions about your health. As a result, you may be able to get group life insurance even if you can't buy directly from an insurance company. There are two main types of life insurance: term life insurance and permanent life insurance. Advantage You generally don't have to answer health questions or take a medical exam, unless you want more coverage than the basic group policy provides.

Most universal life insurance policies earn a guaranteed minimum interest rate on cash value. Variable universal life insurance policies depend on the performance of the subaccounts you choose. Agents selling variable life insurance in Texas must have a federal securities license and a state insurance license. Term policies are not meant to provide coverage for your entire life.

Most people who buy term life insurance policies want coverage for only a short time, such as when they are starting a family or have children in college. You can buy life insurance directly from insurance companies and agents. Insurance companies use a process called underwriting to decide whether to sell you a policy. This often includes having to pass a medical exam and answer questions about your health, work and habits. A company may refuse to sell you a policy if it believes you are a high risk for your health or other reasons. A portion of each insurance premium is applied to an account, known as the cash value.

The cash value increases at a fixed or variable interest rate. Some policies tie growth to indices, such as the S&P 500 or subaccounts of your choosing. Subaccounts are invested in stocks, bonds, or both.

Your cash value could go up or down, depending on the performance of your subaccounts. Death benefits, plus possible cash value that you can withdraw, invest, or use to borrow. It can be expensive to cover a short-term need. Payment is not guaranteed.

Low interest rates can affect cash value, which can increase insurance premium payments. If you get life insurance through your employer, the coverage generally ends when you leave your job. It could take several years for a policy to accumulate cash value. You may have to pay a surrender fee if you withdraw the money early. And if you withdraw more money than you paid in insurance premiums, you'll probably have to pay taxes on this money. If you withdraw the full cash value, the company could cancel your policy.

If this happens, coverage will end and could affect your taxes. Initially higher than term life insurance, but typically does not increase. Insurance premiums are based on your age at the time you purchase the policy. How long is the policy

Most companies offer term life insurance only up to a certain age, usually into your 70s or 80s. Ordinary life insurance remains in force throughout your life, unless you collect the value of the policy or stop paying insurance premiums. Flexible. You can change the death benefit and insurance premiums. For another explanation of how universal life insurance works, watch our video on universal life insurance policies. Converting a policy will cause your insurance premium to increase.

Companies generally only allow you to convert term life insurance policies for a period of time, usually until you reach age 65. Death benefits, plus possible cash value that you can withdraw, invest, or use to borrow. Not all people need life insurance. In general, life insurance is a good idea if you have family or other people who depend on you financially. To decide the amount that's right for you, consider your debts, how much income your family needs to replace, and whether you'll have bills or other expenses.

Some regular life insurance policies may pay an annual dividend. You can receive the dividend in cash, add it to the cash value of your policy, or use it to pay insurance premiums. Dividends are not guaranteed. Your dividend could be lower than the company's projection. Before buying a policy, ask for the company's projected dividend history compared to dividends that were paid. For group policies, the risk is based on the entire group, not just one person.

The cost is usually cheaper than a policy that you could buy directly from an insurance company. Some employers and other groups offer life insurance as an added benefit. Those who offer it must make it available to all of their employees and members, regardless of age or health status. The cost depends on your circumstances. Life insurance premiums are based on your age when you purchase the policy.

They are usually lower for people who are younger. Insurance premiums can be high if you are older or have risk factors. A company may charge you more if you smoke or engage in dangerous hobbies such as skydiving or mountain climbing. Your insurance premium will also depend on other things, including the amount of coverage and the features of the policy you choose. Initially low, but can increase each time you renew the policy.

Premiums are based on your age at the time you purchase or renew your policy. Term life insurance offers protection for a set period of time. This period is called a term. The term can be from one year, or from five to 30 years or more. You choose the length of the term.

Term life insurance policies pay your beneficiaries a lump sum, called a death benefit, if you die during the term of the policy. The policy ends at the end of the term, unless you pay to extend it. Renewability allows you to extend your policy for additional terms, regardless of your health, and without having to go through a medical exam. Life insurance policies have a two-year contestable period. If you die within this period, the company may verify the information you provided on the insurance application. If the company finds that you provided incorrect information, or withheld information, it may deny payment.

This can happen even if the incorrect information is not related to the cause of death or was provided in error. If the company denies payment, you must reimburse your beneficiary for the insurance premiums. Depends. The policy remains in force until the maturity date, usually upon reaching age 95 or 100 as long as you have a cash value.

The two most common features of most term life insurance policies are the ability to convert and renew. They make it easier to get a different type of policy or keep the one you have. It can be expensive to cover a short-term need. Usually has little or no cash value for the first few years.

It is not flexible enough to make changes when necessary. Insurance companies must pay death benefits within two months from the date proof of death is received and your beneficiary is verified. For an individual life insurance policy, the company must also pay interest on the death benefit from the time the company receives the proof of loss statement until the time the company accepts the claim and agrees to pay the death benefit. Companies may take longer to pay the death benefit if you die during the trial period of the policy. Disadvantages The ability to convert allows you to change the term policy for a permanent life insurance policy without having to take a medical exam or answer questions about your health.

This can be helpful if your health worsens after purchasing a term policy. What the policy pays Insurance premiums, death benefit, and cash value are guaranteed.

Death benefits only.

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LONDON (Reuters) - Telecoms giant BT has moved into the plastic card market, with a credit card that reduces users’ telephone and broadband bills.

The cards will be linked to customers’ phone and broadband accounts: every time they use the cards to make a purchase, they will automatically receive money off their BT bill.

For the first 250 pounds of spending per month, customers will receive a discount of one penny for every two pounds-worth of purchases. Spending above 250 pounds will earn double the discount -- one penny for every pound spent.

Cardholders will be able to earn a discount of up to 75 pounds per year, with 150 pounds-worth of savings if more than one BT credit card account holder lives at the same address.

Developed following consultation with customers, who said they wanted a reward scheme without having to redeem points or vouchers, the card also has a competitive interest rate.

It offers interest-free credit on balance transfers for 12 months and 0 percent on purchases for three months.

Those who transfer a balance will be charged a fee of 3 percent of the amount.

The interest rate will revert to a typical annual percentage rate of 16.9 percent.

Gavin Patterson, consumer managing director at BT Retail, said the card would be an “obvious choice for millions of BT customers”.

The BT credit card, available in silver, pink, black and green, will be issued by MBNA, a wholly owned subsidiary of Bank of America.

Karen Darby, founder of price comparison service SimplySwitch.com, said it was an “innovative” move, which took the bundling of services “to a whole new level”.

“It is quite rare to find any reward scheme operating on a card with 0 percent balance transfers,” she said.

“This is a strong indication that BT’s pushing the boat out to retain its existing customers.”

But Darby added that anyone who used the card to pay their BT bills would be stung with recently introduced higher charges for non-direct debit customers.

Another drawback is that customers with another MBNA account are unable to take advantage of the balance transfer deal.