What it means
People often consider term life while children depend on their income, a mortgage is being paid, or other large responsibilities remain. It generally costs less at the start than permanent life insurance for the same benefit.
Life insurance optionsTerm life · Your questions come firstTerm life insurance.
Term life insurance.
For the years they need you.
Term life covers a set number of years, such as 10, 20, or 30. If you die while coverage is active, the policy pays a benefit under its terms.
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A simple way to think about it
If your family expects to rely on your income for the next 20 years, a 20-year term is one option to discuss. The right length depends on your needs and budget.
What to know before choosing
If the term ends while you are alive, there is usually no payout. Renewal may cost more, and options to renew or convert depend on the policy. Standard term life generally does not build cash value.
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What happens after the term ends?
The original coverage period ends. Some policies offer renewal or conversion options, often with deadlines and different costs. Ask before buying.
Will my payment stay the same?
Many policies offer a level payment for the chosen term, but not all do. Ask how long the quoted payment is guaranteed.
Can I cancel and get my payments back?
Usually not with standard term life. A return-of-premium feature, if offered, has separate costs and conditions.
How is it different from whole life?
Term covers a chosen period and generally has no cash value. Whole life is designed to last your lifetime and usually costs more for the same benefit.
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General information, not a quote or a coverage promise. Eligibility, payments, benefits, exclusions, and availability depend on your state, the insurance company, and the policy. A beneficiary is the person or organization you name to receive the death benefit.
Learn more: Washington insurance regulator: How life insurance works. These sources provide general education and do not endorse TrueMatch Advisors.