Term Life Insurance is very vital to your family's financial well being. There are plenty of life insurance options available to fit almost every situation, but the most popular one is term Life Insurance, which is a bit cheaper in comparison to whole life insurance.
Term life insurance covers you for a definite period of time and will pay your loved ones the face value of your policy if you die, unfortunately, during that time. If you are planning to purchase a 20year term life insurance policy and unfortunately you die after five years, your beneficiaries would receive a taxfree amount. Well, if you die after the 20 year term, your beneficiaries will get nothing at all. That's why it is important to figure out well in advance about the years of coverage. Mind you, if you buy a 20 year term life insurance policy and then think about the renewal, you will end up having to pay higher rates.
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