Term Life Insurance
Summary: Better for the regular family man with ordinary protection needs
Advantages:
- Initial premiums generally are lower than those for permanent insurance, allowing you to buy higher levels of coverage at a younger age when the need for protection often is greatest.
- It's good for covering needs that will disappear in time, such as mortgages, car loans, or college tuition.
Disadvantages:
- If you want to continue coverage after the term of your policy premium guarantee expires, your age, health status or other factors may make coverage too expensive, or you may not even requalify.
- Policies generally do not accumulate cash values.
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