Term Life Insurance: Hints, Tips, and SuggestionsTerm Life Insurance Guide |
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Term insurance offers protection that insures your family for a specified and finite period of time -- usually one, five, 10 or 20 years, or up to age 65. A term insurance policy pays a benefit only if you die during the period covered by the policy. If you stop paying premiums, the insurance stops. At the end of the term, the coverage ends, but it can be continued for another term if you have a "renewable" policy. Under such a policy, you will not have to provide evidence of insurability to renew the policy, but each time you renew, your premiums will be higher because you are older.
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