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Premiums remain level for specified periods or to specified ages. Term life insurance is frequently used to provide protection with a specific need in mind and for a specific duration (for example: mortgage insurance). Birth Date Gender Male Female Ever used tobacco or related substances? Yes...
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Most term life insurance policies expire without paying a death benefit, lowering the insurer's overall risk compared to a permanent life policy. The reduced risk is one factor that allows insurers to charge lower premiums. Interest rates, the financials of the insurance company, and state regulat...
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