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Life Insurance
A Guide To Affordable Term Life Insurance.
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[QUOTE="Moni, post: 196221, member: 46543"] Term life insurance provides you with a more affordable opportunity to ensure you mortgage payments in the unfortunate event of your death. Even though they are offered for a limited time period, but you can always match them up with your mortgage payments cycles of 10 or 20 years contracts. For the budget conscious, this definitely seems to be a smarter alternative for a lower cost death benefit. Insurance companies offer cheap term life policies with different contract time period, conversion credit during the first five years and transferrable waiver premium. Affordable alternatives are available through comparison shopping at various online insurance inter diaries websites. Other than being a cheaper option, term life insurance is better in other aspects when compared to a mortgage life insurance. There are much personalization options for a term life insurance policy. The proceeds from a term life insurance go directly to the beneficiaries instead of the lender,so the money can be used by your departments as desired which could be even to pay off other Dept's. Term life insurance also pays a death benefit. According to NAIC (National Association of Insurance Commissioners), the companies play almost 90cernts to dollar in benefits for term life insurance policies. Typically the whole life insurance will be 2 to 3 times costlier than a term life insurance. [/QUOTE]
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A Guide To Affordable Term Life Insurance.
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