Term Life insurance
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Description
Term Life insurance provides coverage for a specific period of time, such as one, five, or 10 years. After that period, coverage is terminated unless renewed for another term. Unlike Whole Life coverage, Term Life builds no cash value. However, Term Life insurance generally provides a larger amount of immediate coverage for lower initial premiums. Rate increases occur upon the term renewal. This type of insurance is ideal for those requiring temporary or supplemental coverage or need large amounts of coverage but have budget restrictions.
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Term Life insurance