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When you buy term insurance, the carrier and you agree on a monthly payment and a benefit amount. If you pass away anytime during the term (10, 20, 30 years, etc.), your beneficiaries get that full amount. If you live past the term, coverage ends and nothing is paid.

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Term coverage works best when you think of it in terms of obligation: the years when dependents rely on your income, the time until a mortgage is paid off, the age when children become independent. Buy enough term to replace income for those years. When those years pass, the need for term insurance decreases.

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