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Term Insurance

Term insurance is a type of life insurance that provides coverage for a specified term or period of time. It is designed to provide a death benefit to the beneficiaries if the insured person were to die during the term of the policy.

Term insurance policies are typically purchased for a specific period, such as 10, 20, or 30 years. The premiums for term insurance are generally lower compared to other types of life insurance, such as whole life or universal life insurance, because term insurance does not build cash value over time.

If the insured person passes away during the term of the policy, the death benefit is paid out to the beneficiaries. However, if the insured person survives the term, the policy expires, and there is no payout or cash value accumulated.

Term insurance is often used to provide financial protection during specific periods of life when financial responsibilities are typically higher, such as when raising children, paying off a mortgage, or supporting a spouse. It is a popular choice for individuals who want affordable coverage for a specific time period without the added investment or savings component of other types of life insurance. Watch free videos about life insurance on finStream.tv at this link: https://www.finstream.tv/videos/life-insurance/

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