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A permanent life insurance policy, simply put is a policy that you cannot outlive. If you have a need for a policy that you can’t outlive, I strongly recommend that you make sure that it is guaranteed to be permanent without any increase in premium, ever. There are policies that are sold as permanent but aren’t guaranteed and those can require premium increases if certain parts of the policy don’t perform well. Permanent life insurance will always come with an illustration that will clearly show if it is guaranteed or not. Need more details?