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What Is Term Life Insurance?

When shopping for life insurance, you'll be introduced to a remarkable amount of products: term life, whole life, universal life, simplified issue, guaranteed issue. Term life insurance is a popular choice because of its:

  • affordable monthly premiums
  • low maintenance — you pay the premium and you're covered
  • guaranteed death benefit (amount paid if the policy holder dies)
  • specified term length — typically, 10, 15, 20 or 30 years

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