Individual Life Insurance is an insurance policy which is sold on at a time; where as, Group Life Insurance is sold to a group of people with the same policy. There are two ways in which Individual Life Insurance maybe be purchased, one is Permanent Like Insurance also known as Whole Life Insurance, and the second is Temporary Life Insurance which is also knows as Term Insurance...
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With Permanent Life Insurance there is a continuous premium throughout the entire time the policy is active. As the policy is purchased the premiums are at a lower amount for the reason that the probability of death is lower; therefore, the money accumulates more in the begging of the policy then in the later years of the policy the premiums decline below what the amount that is needed to insure against death...
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