Term life insurance policies: How do they work?
And, being affordable and uncomplicated, it is a feasible option as a temporary life insurance policy.However, term life insurance is not a tax-free saving.
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The cost for you to buy an individual policy averages about $360 a year. Meanwhile, paying out of your own pocket for two exams and cleanings and a set of X-rays in 2011 would have cost about $370, on average, according to the American Dental Association.
Premium rates for life insurance are typically based on factors such as: Age, gender, height, and weight Health status, including whether or not you use tobacco or nicotine Participation in high-risk activities or occupations