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Go Short Or Long? How To Pick Your Life Insurance Term

By Elizabeth Renter Among the decisions you must make when buying life insurance, one of the most important is: How long should the policy last? Choose wrong and it could cost you or your survivors. You can buy term life insurance that will cover you for five, 10, 15, 20, 25 or 30 years. The duration you pick is important. Select a policy that's too short and you could be caught without coverage when you need it or have to get a new policy at a higher rate to account for your age and increased risks.
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