- Provides coverage for a specific period of time (e.g., 10, 20 or 30 years).
- Pays a benefit only if the insured dies during that term.
- Offers some ability to convert to a permanent policy.
- Fixed premiums for specified number of years and increased upon renewal.
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- Highest death benefit at the lowest cost.
- No surrender charges.
- Makes sense when there is a need for coverage that will disappear at a specific point in time.
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