- 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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Registered Representative of LPL Financial. Securities offered through LPL Financial, Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. The investment products sold through LPL Financial are not insured deposits and are not NCUA insured. These products are not obligations of the Bethpage Federal Credit Union and are not endorsed, recommended or guaranteed by or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.
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