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. The only way to collect anything is to die before the term life insurance expires. Term insurance is ideal for protecting a mortgage, providing replacement income or funding college for a child in the event of a premature death.

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It is also the most affordable type of life insurance available. You wont lose your coverage if you get sick or go to the hospital. Return of premium term life insurance policies are available in 15, 20, or 30-year terms.

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Comprehensive benefits including doctor visits, hospital and emergency services, prescription drug coverage, routine vision exams and discounts on alternative care. As time passes, circumstances and plans change, but the need for protection never disappears. For most people, the need for life insurance may decrease, but it never goes away.

They are often significantly less expensive than permanent types of life insurance, yet, like many permanent policies, they still may offer cash surrender values if the insured doesnt die. The only way to collect anything is to die before the term life insurance expires. This type of term life insurance policy is a bit more expensive than traditional term life insurance, but the premiums are designed to remain level.

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