Fundamentos del Seguro de VidaPregunta 380 de 716
Whole life insurance is generally most suitable for a client who wants:
a.Pure investment growth with no death benefit at all
b.The lowest possible premium for a short-term need
c.Lifelong protection combined with a savings element
d.Coverage only until the youngest child finishes college
Explicación
Whole life fits a client who values permanent, lifelong coverage together with a guaranteed cash value that builds over time. A client focused only on the lowest premium for a temporary need is better served by term. Someone needing coverage just until the children are grown also typically uses term. A client wanting pure investment growth with no death protection would not buy life insurance at all. Whole life's combination of lifetime protection and savings defines its ideal use.
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Revisado por John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verificar)