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They are often significantly less expensive than permanent types of life insurance, yet, like many permanent policies, they still may offer cash surrender values if the insured doesnt die. It is popular because of the extremely low cost and long term coverage it provides. These types of life insurance policies have premiums that are designed to remain level for a period of 5, 10, 15, 20, 25 or even 30 years.

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Any deductible amounts paid in october, november and december carry forward to the next year. For most people, the need for life insurance may decrease, but it never goes away. Term insurance is ideal for protecting a mortgage, providing replacement income or funding college for a child in the event of a premature death. You wont lose your coverage if you get sick or go to the hospital.


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    It is popular because of the extremely low cost and long term coverage it provides. Return of premium term life insurance policies are available in 15, 20, or 30-year terms. . For most people, the need for life insurance may decrease, but it never goes away. Return of premium term life insurance (rop) is a type of life insurance policy that offers a guaranteed refund of the life insurance premiums at the end of the term period, assuming the insured is still living.

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