Term Life Insurance - Your Terms
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Of the many forms of Life Insurance available, Term Life Insurance is probably the most flexible. Once secured, it covers you for a predetermined period of time - or term - and expires. This is a very popular choice for young and old alike as the benefits are many:
You set the term, that is how long you wish to cover your designated loved ones. Five, 10, 15, 20 or more years. Maybe you have minor children. A Term Life policy to cover them until adulthood maybe in order. It's your choice.
Term Life Insurance offers additional security for your loved ones. Many purchase Term Life coverage as a hedge against their existing policies potentially not being sufficient. For instance, a $500,000 Term Life policy to supplement a Whole Life policy in place could make a tremendous difference in the lives of those left behind in the event of your death.
Term Life Insurance can help cover expenses of the deceased such as consumer debt, mortgages, etc. so survivors are not saddled with these expenses.
Get it and forget it. Term Life is relatively easy to set up and generally speaking the most inexpensive insurance available. There are many insurers that have quick and easy online forms. Many even offer "instant" Term Life coverage that do not even require a physical exam. Let's face it, it's not a pleasant topic so the faster, the better. And the peace of mind feels great.