There are many uses for permanent life insurance as well as several types of permanent insurance.  Here we will tell you the most important things to know.  First, today’s life insurance policies are not the same as what was available years ago.  Today they can meet many needs that people have with one permanent life insurance plan.  The first, of course, is the death benefit in case of a premature death.  Since most of us will outlive our term policies this makes them useless in later years which is of course the main problem with term insurance. The new permanent life insurance plan can provide protection for you while you are still alive should you develop a critical or chronic illness. If that were to happen then you would be able to access a large portion of your policy to help during those times.  One thing that many of us go through is the need for additional help in our golden years, either in a home or better yet at home.  You would be able to access a large portion of the death benefit to pay for such an occurrence.  When we are younger heart attacks, strokes, accidents and other occurrences could also create the need for these benefits. And now for the best of all, it can provide you with a TAX-FREE income in your retirement.  It will beat your 401k when it comes to providing spendable cash for one simple reason you get it tax-free.  Find out today how you can take care of many of your future needs with one great product.  Remember there are two ways to build a retirement income.  Save a smaller amount each year over a longer period of time or a large amount each year over a shorter time.  Simply said the sooner you start the better and easier it will be.  Please fill out the form below to get an accurate quote rather than one just based on age, which really means nothing.  The more you tell us the more accurate the quote will be. If you are a senior and in good health maybe you should look at a Guaranteed Universal Life plan.  It doesn’t do well with building cash, or providing any additional benefits but it can provide a larger amount of life insurance at a lower cost per thousand than a Final Expense Plan.  So do yourself a favor get a quote today – don’t put it off, it will cost you.