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This provides financial protection for your loved ones if you die, regardless of when will that be, as long as you continually pay your premiums. Since this type is meant to stay with you throughout your life, which is why it’s called permanent, it is more expensive than the other type, which is only active for a certain period of time. There are four different types of permanent insurance: whole life, variable life, universal life and variable universal life. These are best for people who have a child who will require lifelong assistance, people who want to make sure their spouse is taken care of long-term if he or she dies early, or people who want to make sure they can leave money behind to their loved ones.
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