Term Life Insurance


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Term Life Insurance

Term insurance is death protection for a term of one or more years. Some companies are offering policies with terms upto thirty years. Premiums on term insurance remain level during the life of the policy. Term Insurance has no cash value account. Death benefits will be paid only if you die within that term of years. Term insurance generally provides the largest immediate death protection for your premium dollar.
Some term insurance policies are renewable for one or more additional terms even if your health has changed. Each time you renew the policy for a new term, premiums will be higher. You should check the premiums at older ages and the length of time the policy can be continued.
Some term insurance policies are also convertible. This means that before the end of the conversion period, you may trade the term policy for a whole life or endowment insurance policy even if you are not in good health. Premiums for the new policy will be higher than you have been paying for the term insurance.

 

Rates and coverage vary form state to state so shop around on your own or talk to an independent insurance agent to make sure you get a plan that's right for you. For more information and rates on term life insurance visit our specialist site below.

Term Life Insurance Specialist

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