How does term life insurance work?

Term life insurance is an affordable life insurance option that offers a notable death benefit to a policyholder's beneficiaries. Policyholders can usually choose between 10-, 20-, or 30-year life insurance terms. As long as the policyholder stays current on payments, they will be covered for the duration of that term. If the policyholder dies before the term ends, the insurance company supplies a death benefit to the policyholder's beneficiaries.

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UPDATED: Jun 28, 2022

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