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Term Life Term life insurance fills a need to have coverage for a certain period of time, whether it is for the term of a loan or until your children are grown or any other reason to have your loved ones protected to cover expenses if you die. Term insurance is less expensive than Universal Life and can be obtained without a medical exam, sometimes. Some companies offer “return of premium” which is a rider that enables you to have all of your paid premiums returned at the end of the term, thus costing you nothing but still having peace of mind. |
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