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20 Year Term Life Insurance - Summary Article


20 Year Term Life Insurance - Lump Sum    

This is the simplest and cheapest type of 20 year level term life insurance, and is known as term insurance because you choose how what term ie; how long you're covered for - say 20 or 25 years (the term).

Term life insurance only pays out if you die within the term you've agreed. If you live longer than the term of say 20 years, you get nothing. As a couple, you can also take out joint 20 year Life Insurance cover in both your names, with the policy paying out if either of you die during the term.

Also consider how large the term life cover you need if this is not covering say just a debt like a mortgage or loan. Common practise was 10 x salary but maybe 15/20 x in low interest rates economy.

Things to look out for if requesting in 2018 this type of 20 year term life insurance quote / rates...What type of policy do you want?
For example

  • Increasing policy (where cover and premium rise over the 20 years)
  • Renewable policies (which let you extend the original term)
  • Guaranteed (where life insurance premiums stay the same throughout the 20 year term)
  • Reviewable premiums (where life cover premiums may go up every year or 5 years at a review)
  • Critical Illness (where lump sum maybe payable also upon diagnosis of specified critical illness benefits)
  • Waiver of Premium (where the Insurer waives/protects & covers your premiums after a deferred period of usually 4/8/13/26 weeks due to sickness or accident)

20 Year Term Life Insurance - Income Benefit

This term life insurance policy pays out an income to your Family rather than a lump sum & maybe suitable for those who require income for their family upon death. However, technically it is a decreasing plan over 20 years, so for example if a claim is made in year 12, the plan will then only pay out for the balance of the remaining 8 years. This Family Income Benefit plan may be increasing to help offset inflation. 


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