Term life insurance helps protect the financial stability of both your family and your business. 20 year term life insurance offers a great bang for your buck. It is less expensive than both permanent life insurance (both whole life and universal life) and 30 year term life insurance. 20 year term can be converted to permanent insurance at a later date with no additional underwriting if your health changes. 20 year term policies are offered by many of the best life insurance companies. Generally, term insurance is offered for guaranteed periods of 10, 15, 20, or 30 years. After the 20 year term expires, the premiums increase annually based on age as long as premiums continue to be paid.
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