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...Life insurance people buy to protect their dependents basis on loans of years or less duration is against financial hardship when the insured person classified as credit in national association policyholder dies many products commissioners accounts also allow policyholders accumulate savings longer included individual group policy that can be used a time need most data this chapter policies offered by american families depend provide fraternal benefit societies are considered economic protection million rely insurers for and retirement security americans purchased trillion new widely form coverage percent increase accounting from end total all force united states was an at year table typically through agents issued three types predominate under with face amounts low market underwritten although larger minimum separately each who seeks more typical today s while principally family it whole such employees company business purposes may purchase members organization loss guarantees payment...