Term Life Insurance Policy

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Term Life Insurance Policy has been around in insurance circles for a very long time.

It can be sold as a policy or as a rider to a permanent life insurance policy. It was never promoted much by life insurance agents perhaps because of it ‘s extremely low premium which results is a low commission.

Term Life Insurance policy

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Term Life Insurance policy

Another consideration is that 5year is a very short period of time for ownership of life insurance policy.is worth a little of your attention.

it is good policy…. depending on your need.

A Term of life insurance coverage that provides a return of some of the premiums paid during the policy term

if the ensure person outlives the duration of the term life insurance policyAbout Us

Annual renewable term

The simplest form of term life insurance is for a term of one year. The death benefit would be paid by the insurance company if the insured died during the one-year term, while no benefit is paid if the insured dies one day after the last day of the one-year term.

Life insurance 5-year term

A life insurance policy that is guaranteed approval. Coverage amounts will be lower than traditional policies. Premiums will be considerably higher. Since there are no medical questions and everyone is approved, these policies will have a waiting period before benefits are paid out. If the insured dies during the initial waiting period, only premiums plus interest will be returned.

As an example, auto insurance will satisfy claims against the insured in the event of an accident and a homeowner policy will satisfy claims against the home if it is damaged or destroyed, for example, by fire.

If the policyholder discontinues coverage because he or she has sold the insured car or home, the insurance company will not refund the full premium.

 

 

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