What is Term Life Insurance?
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Term Life Insurance
Term life insurance is the most basic and least expensive form of life insurance you can buy. There are no investment accounts, cash values or policy loan features on term life. Which is good, because those things just cost you money.
Term life provides protection for a specified period of time or the “term.” You can buy a term life policy for terms of 10, 15, 20, 25 or 30 years. The policy will pay a benefit to your beneficiaries if you die during the term. Term life is also more affordable for seniors looking for life insurance over the age of 75.
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Simple
It’s pure life insurance protection. Nothing more, nothing less. You can even buy it without a medical exam.
Temporary
It will expire one day, either 10, 15, 20, 25 or 30 years from when you buy it. You decide how long you’ll need it and that’s what you pay for. Don’t worry though. There are options for extending it if you need to.
Flexible
Use it to protect your family, pay estate taxes, secure a bank loan and more. Have a business? You can use it to protect key employees, fund buy-sell agreements or help grow your company.a
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