Modified Whole Life

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Modified whole life insurance is a policy that offers an alternative premium payment structure. More specifically, the premium for a modified whole life policy is lower than average during the beginning portion of the policy term, and then after a certain number of years, the premium will increase to higher than the average for the rest of the. However, after this period is over, the rates increase and are often considerably higher than the average whole life insurance rates. Modified whole life insurance is like whole life, but with a different premium structure.

This is in an attempt to make the. Modified life insurance, also known as modified whole life insurance, is a type of permanent life insurance that provides a lower premium for the first few policy years in exchange for a higher premium after the introductory period. The spirit of this type of life insurance is affordability. The target market consists of families with. Modified life insurance is a type of life insurance that allows you to change your coverage after you buy it. This can be helpful if your needs change over time. For example, if you get married or have children, you may need more coverage than you did when you first purchased your policy. With modified life insurance, you can increase or. After the waiting period is over, the full benefit is payable for any reason.