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Whole life and universal life.

Whole life is the simplest, and most traditional form of permanent insurance. With it, the death benefit and premium are fixed at the time you buy your policy, and stay the same for the life of the policy.

With universal life you can reduce or increase the amount of the death benefit, and vary the amount or timing of premium payments, subject to certain limitations.

Your LifeHelp agent will be pleased to tell you more about these plans, including the cash value aspects of both.