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Term Life Insurance


Term Life Insurance Information

Most people are familiar with the basics of life insurance. You pay a premium and your family receives a monetary payout when you die. But there is more than one type of life insurance policy that can protect your family’s financial future. You must decide which type of life insurance is right for your needs.

What is term life insurance?

Term life insurance is the most affordable type of life insurance. This makes it popular among young adults who are just starting families of their own. With a term life policy, you select the number of years—the term—in which your policy will be active. You may find monthly premiums to be affordable. But, keep in mind that dependents will receive a payout only if the policyholder dies within the specified term.

What are the benefits of term life insurance?

If you wish to leave a legacy behind for your family, life insurance is an important consideration. Term life insurance provides an affordable way to ensure your family can continue making ends meets. Because this is the most basic type of life insurance, it’s easy for many to fit it into their budgets. And you’ll pay the same rate for your entire term, regardless of waning health.

Most insurance providers allow you to select a term of one to 30 years, giving you the option to lock in your rate for longer. When you renew a term life insurance policy, your new rate is recalculated based on your current health and other factors. This is why many people lock in their rate for longer terms.


 

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