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At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict, this post may contain references to products from our partners. Here's an explanation for People in the market for life insurance may be overwhelmed by all the different types of policies: term, whole life, variable whole life, burial insurance and more. It's important to have a basic understanding of what each type of policy offers in order to make the best decision. Ultimately, there are only two main categories of life insurance: term or permanent, and whole life insurance is a sub-type of permanent life insurance. What is whole life insurance? As a type of permanent life insurance, whole life insurance lasts for life, as long as the premiums are paid, and beneficiaries are paid out upon the insured's death. But there's more to it than that: whole life policies also include a savings component, called " cash value, " and you can borrow against the money in that savings account as needed. This savings account is funded by the policy's premiums, and typically earns a small amount of interest.
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HONG KONG (Reuters) - Chinese fans of Nintendo's Animal Crossing: New Horizons are paying a premium on foreign consoles and finding ways to skirt limits imposed by local regulators on a game that has become both a breakout worldwide hit and political flashpoint. Chinese tutor Zhao plays the game "Animal Crossing" on Nintendo Switch at his apartment in Beijing, China April 24, 2020. REUTERS/Martin Pollard The game has become a global bestseller as its players describe the ability to create virtual versions of themselves and their homes and interact with other gamers as a form of escapism from the real world of coronavirus lockdowns, but it is not licensed for sale in China's tightly regulated gaming industry. To obtain the game and play it to its full potential, players in China are paying a premium of up to 50% for unlocked Switch consoles sold abroad and brought in by middlemen, getting foreign bank accounts to pay for items, or paying for services to get faster internet speed to access the game's overseas servers.
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