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Types of Life Insurance: Which One Is Right For You?
The Difference Between Term and Whole Life Insurance
Term vs. Whole Life insurance... What's the difference? What are the advantages of each? If you are trying to decide whether you need Whole Life or Term Life insurance, read this list of commonly asked questions.
What are the different types of life insurance?
SBLI USA offers the two basic types of life insurance: Term Life and Whole Life. Each offers its own set of advantages.

What is the difference between Term and Whole Life insurance?

Term Life insurance is a type of life insurance product that provides coverage for a specific period of time only. While it is generally the least expensive type of life insurance, Term Life premiums can increase as you grow older. With SBLI USA Term Life policies , you can renew your coverage up to a certain age (designated in the policy) and convert your coverage to an eligible SBLI USA Whole Life insurance policy at any time your policy is in inforce.

Whole Life insurance - often called "permanent" life insurance - is a type of life insurance that provides coverage your whole life through. While premiums may initially be higher than those of Term Life, they stay level throughout the duration of your coverage. Whole Life also features cash value that builds over time, tax-deferred. This value may be borrowed against for a variety of purposes.?

The Basic Differences Between Term and Whole Life Insurance
Term Life Insurance Whole Life Insurance
This insurance is best for: People who are seeking affordable "pure" life insurance. With Term Life insurance, the entire premium goes toward the death benefit. Term Life insurance is particularly useful in the early stages of life when people have many obligations and few assets. Click here to get help choosing a product that meets your needs. Anyone who is looking for a lifetime of protection. The protection never decreases† and the premiums never increase. Click here to get help choosing a productthat meets your needs.
Coverage Terms Term Life insurance policies range from 1 year to 30 years.* At the end of the term, the policy can be renewed or converted to an eligible Whole Life policy. If converted to Whole Life, no medical exam is necessary. Coverage amounts are available from $100,000 to $1,000,000 and more.** Whole Life insurance is permanent life insurance. The coverage is active as long as the premium is paid when due. Whole Life policies are available in amounts from $5,000 to $1,000,000.**
Cash Value Term Life insurance policies have no cash value. SBLI USA's Whole Life insurance policies build tax-deferred cash value; borrow against it for any reason.


Which type of insurance is best for me -- Whole Life or Term Life insurance?
The type of life insurance that is best for you and your family is determined by your goals, budget and life stage. For instance, if you are just starting out, a Whole Life policy or a 30-year renewable and convertible Term Life insurance policy might be your optimal choice. Browse through our Plan Your Life section for more information on how specific life events can affect your life insurance choice. And be sure to check out the handy Which is Better: Term Life or Whole Life? calculator.

Of course, the fastest and easiest way to determine what life insurance policy matches your needs, is to call one of our Sales Advisors toll free at 1-866-SUSA-WEB (787-2932). They will explain the difference between Term and Whole Life insurance and give you friendly, honest suggestions on how to make the right life insurance choice. You can also fill out the convenient Help Me Choose form.



Juvenile Life Insurance FAQ
Buying a juvenile life insurance policy for a child or grandchild is a thoughtful and practical endeavor. Before purchasing a juvenile life insurance policy, educate yourself and read the following commonly asked questions.
Why does a child need life insurance?
No one knows what the future holds. That is why investing in your peace of mind -- and your child's financial security -- with a juvenile life insurance policy makes sense.

SBLI USA's juvenile life insurance premiums are reasonable and are guaranteed convertible to an eligible Whole Life policy at age 21. This means that in the unfortunate event that your child develops a medical condition or has an accident, they would be guaranteed affordable life insurance protection.

Juvenile life insurance can also provide a financial nest egg for your child in adulthood. Once the insurance policy is converted to Whole Life, your child will be building cash value. They will be able to borrow against the policy in years to come.

Does SBLI USA offer juvenile life insurance options?
SBLI USA offers a number of life insurance policies that are available for children. Most of our Whole Life options, for instance, provide coverage for children 15 days old and older. We offer Children's Single Premium Term Life, a juvenile life insurance policy that provides up to $15,000 in coverage for one affordable premium payment. Children's Single Premium Term may be converted to Whole Life coverage at up to five times the policy's original face value. For more information, visit ourchild life insurance page.

What are the benefits of purchasing a juvenile life insurance policy from SBLI USA?
A juvenile life insurance policy from SBLI USA is an easy and affordable way to help give your child a financial foundation for his or her future. It can help to guarantee their insurability for life. Plus, juvenile life insurance is convertible to Whole Life when they are 21, enabling your child to start building cash value from a young age.

I am not quite ready to apply yet. Does SBLI USA offer free quotes on their juvenile life insurance products?
Yes. SBLI USA's free juvenile life insurance online quote gives you a rough estimate on monthly costs and is based on your answers to a few simple questions. To speak with someone in person, contact a friendly Sales Advisor.

I am interested in purchasing life insurance for my child. What is the first step?
The fastest and easiest way to purchase one of SBLI USA's juvenile life insurancepolicies is to call a Sales Advisor toll free at 1-866-SUSA-WEB (787-2932). They will help determine what type of life insurance policy and coverage will work best for you and your family. You can also fill out our convenient Help Me Choose online form. If you already know what type of child life insurance you want to buy, fill out ourQuotes form. In minutes you will be on your way to protecting your child with valuable coverage that will grow along with them!

Learn More About SBLI USA Juvenile Life Insurance

For more information on how SBLI USA juvenile life insurance can help prepare your loved ones for the future, visit our child life insurance page or contact a Sales Advisor today at 1-866-SUSA-WEB (787-2932).





Life Insurance Coverage FAQ
With SBLI USA, applying for life insurance coverage online is easy, affordable and fast. To make sure you are buying the right amount, read some commonly asked questions below.
How much life insurance coverage do I need?
How much life insurance coverage you require depends upon your personal needs and preferences. A general rule that many people follow is to buy a life insurance policy equal to five to seven times your annual gross income. To do a ballpark calculation of how much life insurance coverage your family needs, check our handyonline Life Insurance Calculators. You can also learn more at our onlineEducation/Information section.

What's the maximum amount of life insurance coverage I can get?
SBLI USA life insurance policies offer coverage amounts as high as $1 million or more (subject to underwriting requirements and reinsurance availability) depending on the policy.

If I have life insurance coverage, can I extend my policy to cover my spouse, as well?
SBLI USA does offer a policy rider for Spouse Coverage that provides supplemental Term Life insurance coverage for your spouse up to the value of your original policy, with premiums that stay level for ten years. The Spouse Coverage rider is available with certain policies. Visit our Life Insurance Products section for more information, or talk to a Sales Advisor right now.

I am not quite ready to apply for life insurance coverage yet. Does SBLI USA offer free life insurance quotes?
Yes. SBLI USA's free life insurance coverage online quote gives you an estimate on costs and is based on your answers to a few simple questions. To speak with someone in person, contact a friendly Sales Advisor. Your actual rates may differ based on medical information obtained during underwriting.

I am interested in purchasing life insurance coverage online. What is the first step?
SBLI USA makes buying life insurance coverage simple and quick. Just fill out our convenient Help Me Choose form. If you already know what type of life insurance you want to buy, fill out our Quotes form and in minutes you?ll be on your way to securing the financial future of your family!



Buying Life Insurance FAQ
Never had life insurance? Read ths list of commonly asked questions on the importance of buying life insurance.
I am interested in buying life insurance, but never had it before. Which kind should I apply for?
Buying life insurance is a great first step towards security and peace of mind! The kind of life insurance you should buy depends upon your specific situation.

If you're a young adult on a limited budget, SBLI USA Term Life insurance might be right for you - it provides high coverage amounts (as much as $1 million or more*) at affordable rates, with options for "locking in" your premium costs for as long as 30 years.

As your family grows and you become more financially secure, you may want to consider SBLI USA Whole Life coverage.

For detailed information about SBLI USA Life Insurance options, visit our Productssection or call a friendly and knowledgeable Sales Advisors.

Why is buying life insurance so important?
Life insurance can help provide financial protection for your loved ones in the event that something should happen to you. People commonly purchase life insurance coverage to ensure that their survivors will be able to:
• pay off mortgages, loans, or credit card debt(s)
• replace your contribution to household expenses
• set up investment or retirement accounts
• cover college and other educational costs
• pay for your final expenses
• establish a nest egg for family emergencies
How do I know if I am eligible for life insurance?
Every life insurance policy has its own eligibility guidelines. Depending on what your age or health history, there may be something for just about everyone. Call a Sales Advisor for more information or check out our individual Products section.

I am ready to buy life insurance. What is the first step I should take?
SBLI USA makes buying life insurance simple and quick. The fastest and easiest way to get started is to call one of our Sales Advisors toll free at 1-866-SUSA-WEB. They will help determine what type of life insurance policy and coverage will work best for you and your family. You can also fill out our convenient Help Me Chooseform. If you already know what type of life insurance you want to buy, fill out ourQuotes form and in minutes you'll be on your way to helping secure the financial future of your family!




Life Insurance for Men and Women Over 55
Enjoy the peace of mind and financial protection that only life insurance can provide. Read below for commonly asked questions about SBLI USA's life insurance products designed especially for people over 55.
Why do I need life insurance if I am over 55?
When you are over age 55, there are plenty of reasons to purchase life insurance:
• To preserve the resources upon which you and your loved ones now rely
• To ensure financial protection for your spouse
To leave a financial gift to children and grandchildren
• To cover your final expenses
• To leave a bequest to a charity
Do you offer life insurance for people over 55?
SBLI USA offers a life insurance product for men and women aged 55 to 75. It's called SeniorLife, and it features lifetime coverage, level premiums, cash value, and guaranteed acceptance. If you're between the ages of 55 and 75, you can't be turned down for coverage for any reason.

Does SeniorLife require a medical exam?
SeniorLife is a life insurance policy that requires no medical exam, tests or health questions.

Does the SBLI USA SeniorLife policy build tax-deferred cash value?
Yes, SeniorLife is a Whole Life insurance policy for people over 55 that builds tax-deferred cash value, that can be borrowed against for any reason.*

Who could benefit from SeniorLife insurance?
SeniorLife is a life insurance product created for the needs of men and women age 55 and over. It is a common option chosen by individuals aged 55 -- 75 who:
• Are planning their estate
• Just retired
• Recently lost a loved one
• Have adult children who need continued financial assistance
• Are raising their grandchildren
• Are no longer covered by an employee-sponsored life insurance plan
Besides SeniorLife are there any other life insurance options for people over 55?
Two of SBLI USA's other popular life insurance choices for this age group are:

Single Premium Whole Life Policy. This policy is available to anyone 70 years or younger. Single Premium Whole Life gives you a lifetime of coverage with only one single payment (policy matures at age 100).

SmartLife. This is a Whole Life insurance policy that requires a simple application and generally no medical exam is required.**

Depending on your age, needs, health and budget, additional life insurance options may be available. To find out which life insurance product may be best for you, browse our Products section, fill out the simple How To Choose online form, or call a friendly and knowledgeable Sales Advisor.

I am not quite ready to apply yet. Does SBLI USA offer free life insurance quotes?
Yes. SBLI USA's free life insurance quote gives you an estimate on costs and is based on your answers to a few simple questions. To speak with someone in person, contact a friendly Sales Advisor. Your actual rates may differ based on medical information obtained during underwriting.

I am interested in purchasing SeniorLife insurance. What is the first step?
SBLI USA makes buying life insurance simple and quick. The fastest and easiest way to get started is to call one of our Sales Advisors toll free at 1-866-SUSA-WEB. They will help determine what type of life insurance policy and coverage will work best for you and your family. You can also fill out our convenient Help Me Choose form. If you already know what type of life insurance you want to buy, fill out our Quotesform. You are never too old to make smart financial decisions!