The most common product when thinking of life insurance is term life. Term life insurance is simply coverage for a set period of time. Most products have level premiums and face amounts ranging from annual renewable term to 30-year term. Term life is the most economical of all life insurance with regard to cost. A twist to term life is Return of Premium term (ROP). ROP is still the same term life but priced higher because premiums may be returned at the end of the level term period income tax-free or the ROP amount may be forgone for a reduced-paid-up death benefit running to age 95.
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