There are three different types of life insurance available for purchase in Tennessee: term, universal, and whole life. Term life is one of the most common and affordable ways to ensure the fiscal future of your family. Assuming you pay your premium as scheduled, these policies remain in effect between 5 and 20 years. Universal life insurance offers the flexibility of low-cost term life, guaranteed protection, plus an added savings component. Whole life insurance provides protection over the course of the insured’s entire life. It features steady premiums, death benefits, and cash value.
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