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USAA - More then doubled my life insurance premium

My USAA term life insurance policy is made up of both a level premium/level benifit portion of from 10 to 20 years as selected by the insured and a variable premium/decreasing benifit portion lasting until either the policy has been in effect 50 years or the insured's 90th birthday. After paying in for 13 of the selected 15 years of the level premium/level benifits portion, I checked with USAA regarding any requirements for contnuing into decreasing benifits portion and was informed that premiums for the decreasing benifit portion of that policy were scheduled to more that double over what had been advertised as the planned rate.
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An annual renewable increases in premium each year and at a certain point decreases in death benefit because cost of insurance goes up as you get older. Never get a policy or maintain one that does not have a level DB/level premium.

As a matter of fact, term policies in general are junk and that is where the insurance companies get their money because only 2% of term policies are ever paid. ULIFE and Whole life are the best options, especially for younger people.

#255403 Review #255403 is a subjective opinion of poster.
Monterey, California