If you want a fully-guaranteed and most secured policy, then you should buy whole life insurance quote online. The death benefits and the premium are established or pre-defined upon the purchase. The premium in this policy is fixed, but the death benefits may increase. This type of life insurance plan has guaranteed cash value.
Universal life insurance
This is a combination of whole life and the term insurance. In this policy, the death benefits could increase while the premium would never increase. Many people think that paying minimum premium is attractive, but theres also a target premium. Also, whole life insurance quote online involves cash value otherwise you need to pay the premium so that the policy would not lapse.