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Term life insurance is a form of life insurance that provides coverage for a predetermined period of time (term). This type of policy does not build any cash or loan value and it is used as a way to provide protection for your family in the event of your death, providing them with financial stability.

Term life insurance policies offer significant savings when compared to other forms of permanent lifetimes. The premiums are generally much lower because the policy owner is not accumulating any cash value and because the policy expires after a set period instead of lasting for the rest of the insured's life. Another benefit to term life insurance is that if you do not need the policy anymore, you can generally cancel it without any penalties or fees after your initial contract period expires.

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