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March 16, 2015


            “Term life insurance” is the most affordable and understandable option for those who want all the coverage they need and none that they do not need. As its name implies, term insurance is good for a specific period of time (10, 20, or even 30 years). If, during that period, the person named in the policy dies, the beneficiaries get the payout, known as the “death benefit.” “Annual renewable term,” which provides one year of coverage at a time, usually has the lowest annual premium, initially; however, the premium rises as the person covered by the policy ages. “Level premium term,” which can be purchased for a specific multiyear period, locks in the premium for the term of the policy.

NOTE: The younger and healthier a person is, the lower the cost of a term life insurance’s premium.

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