Like arthritis, however, fibromyalgia can cause significant pain and fatigue, and it can interfere with a personâs ability to carry on daily activities. Also like arthritis, fibromyalgia is considered a rheumatic condition, a medical condition that impairs the joints and/or soft tissues and causes chronic pain. person may have two or more coexisting chronic pain conditions. Such conditions can include chronic fatigue syndrome, endometriosis, fibromyalgia, inflammatory bowel disease, interstitial cystitis, temporomandibular joint dysfunction, and vulvodynia.
In a whole life policy, as long as every premium payment is made, the death benefit is guaranteed to the maturity date in the policy, usually age 95, or to age 121. A UL policy lapses when the cash valueis no longer sufficient to cover the insurance and policy administrative expense.
A term life insurance policy covers you for a stated periodâtypically 10, 15, 20, or 30 years. Because the insurance company's liability is limited to a specific period, term is the most economical kind of life insurance. A whole life insurance policy lasts as long as you pay the premiums.Whole life policies can also have a cash value. Part of the premium you pay covers your insurance, and some of it goes into the policy's cash value. Whole life insurance is much more expensive than term life insurance for the dollar amount of coverage.ost financial planners recommend coverage that's 5 to 10 times your annual income. For example, if you make $50,000, you might consider coverage between $250,000 and $500,000. If you're younger and just starting a family, you might need as much as 15 times your income to allow for salary increases.