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Renewable Term Life Insurance
Renewable term life insurance rates are usually fixed for the period of time the policy is written. A renewable term life insurance policy can benefit many who need a temporary solution in case of death. For example, in many cases renewable term life insurance can put a child through college, pay off mortgages, or off-set business loans. The death benefit of the renewable term life insurance policy is usually greater than that of the permanent life insurance policy.
Many top companies offer renewable term life insurance. On average, the rates are lower than those of permanent life insurance.
The renewable term life insurance companies that offer competitive premium rates will allow you to lock in premium rates for 10, 15, or 20 year periods. The insurance rates depend on your age, health, and livelihood. The rates you receive when you are 25 will remain the same throughout your policy term. For this reason, renewable term life insurance policies are popular before retirement, so expenses will be covered in case of an untimely death.
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