TAILIEUCHUNG - University of Illinois Extension

When surveyed, Americans consistently support guaranteeing health insurance for more people. Options for reforming the current health insurance system and decreasing the number of uninsured continue to be debated. Most proposals recognize that in order to make health insurance affordable for the majority of the uninsured, premiums will need to be subsidized for the lowest income groups. However, rising health care costs and fiscal constraints to expanding public coverage, pose a significant challenge for reform. In the absence of national reform, Governors and legislatures are seeking practical solutions and proposing a diverse mix of strategies to. | I N G University of Illinois Extension College of Agricultural Consumer and Environmental Sciences University of Illinois at Urbana-Champaign Circular 1350 This publication is a revised version of Life Insurance and Family Protection originally published in 1984. The original circular was written by Jeanne L. Hafstrom Associate Professor of Family and Consumer Economics Sheila Fitzgerald Krein Extension Specialist Family Economics and Marilyn M. Dunsing Professor of Family and Consumption Economics. The revised circular was written by Brenda Cude Extension Consumer Economics Specialist and designed by Debra J. Eisenmann. Issued in furtherance of Cooperative Extension Work Acts of May 8 and June 30 1914 in cooperation with the . Department of Agriculture. Dennis Campion Director University of Illinois Extension University of Illinois at Urbana-Champaign. The University of Illinois Extension provides equal opportunities in programs and employment. Copyright 1998 by University of Illinois Board of Trustees. Authors and publishers have granted permission for copies of this work or parts of this work to be reproduced provided that 1 copies are distributed at or below the cost of reproduction 2 the author the publication and the University of Illinois College of Agricultural Consumer and Environmental Sciences and the relevant division within the College are identified and 3 proper notice of copyright is affixed to each copy. The information provided in this publication is for educational purposes only. References to commercial products or trade names do not constitute an endorsement by the University of Illinois and do not imply discrimination against other similar products. í 7 UNDERSTANDING Lf nsurance Contents 5 Life Insurance and Protection 5 Ways to Buy Life Insurance 6 What Is the Best Type of Life Insurance I1 F 8 Special Policy Features 9 Payment of Premiums _ - j. 1 Ỵ i 9 Who Needs Life Insurance 10 How Much Life Insurance Do You Need 12 Settlement Options .

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