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When it comes to term insurance, there are many types of coverage that can be purchased. There's one-year life insurance, two-year life insurance, five-year life insurance, or 10-year life insurance. There's 20-year life insurance, and 30-year life insurance. There are even policies that last for 40 years or more! These policies all offer different premiums based on your age, health, etc., but they mostly only offer the money back at the end of the term in case you die during it. This means that coverage is very limited, but the premiums are very affordable. This is beneficial for individuals that cannot afford, or do not want to pay for, excessive coverage.

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