| Permanent Insurance Permanent life insurance, in addition to a death benefit, also builds up cash value within the policy, which can be borrowed for a variety of reasons. Unlike term, a permanent policy can remain in force as long as premiums are paid or there is enough value within the policy that can be used to pay the premiums. Some permanent policies allow you to vary the amount and the timing of your premium payments, in addition to increasing or decreasing the policy's death benefit. Other permanent policies have investment options that fluctuate with the stock market. |
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