What is term insurance? This is one of the questions I get from time to time. People want to know how it works. What are the advantages to owning a term policy? What are the disadvantages?

Term insurance is simply a policy designed to take care of a specific need, or a number of needs, for a predetermined period of time. What are some of the needs that a term policy would fit into? Let us take a look at a few of them.

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