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When purchasing a life insurance policy in Minnesota, you have two options. Term Life Insurance, and Permanent Life insurance.
There are many different types of permanent life insurance plans. Below are examples of the most common permanent life insurance policies.
Whole or Ordinary Life Insurance
This is the most common type of permanent life insurance. The premiums for a whole life insurance policy must be paid periodically in the amount indicated in the policy. These premium amounts generally remain constant over the life of the insurance policy.
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Universal or Adjustable Life Insurance
This variation of permanent life insurance allows, after your initial payment, to pay premiums at any time, in any amount, subject to certain minimums and maximums. You also can reduce or increase the amount of the death benefit more easily than under a traditional whole life insurance policy. Usually to increase your death benefit, you will be required to provide the life insurance company with satisfactory evidence of your continued good health.
Variable Life Insurance
This type of permanent life insurance provides death benefits and cash values that vary with the performance of an underlying portfolio of investments. You can choose to distribute your premiums among a variety of investments which offer diverse degrees of risk and reward. These investments may include stocks, bonds, combinations of both, or accounts that provide for guarantees of interest and principal.
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Ramsey County Insurance offers Life Insurance in the following Minnesota towns: Arden Hills MN, Dellwood MN, Falcon Heights MN, Gem Lake MN, Lauderdale MN, Lino Lakes MN, Little Canada MN, Maplewood MN, Mounds View MN, New Brighton MN, North Oaks MN, North St. Paul MN, Roseville MN, Shoreview MN, St. Paul MN, Vadnais Heights MN, West St. Paul MN, and White Bear MN.
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