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Collecting Unclaimed Life Insurance

As with all insurance products before you buy any kind of life insurance policy is it best to do a little research, so you can understand what kind of life insurance is best for the needs of you and your family.

Permanent life insurance was designed for individuals who felt that investing their funds into a term life insurance policy wasn't quite right for them. If you pay on term life insurance for a given period of time, and you do not die, that money simply disappears.

Relying on cash value life insurance may come as a surprise option to those who have always believed that individuals would get a better return investing in term insurance, and then using the difference between that and cash value to create a separate portfolio.