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A term life insurance policy guarantees a level premium and a level death benefit for a set number of years, “the term”. The most common term lengths are 10, 15, 20 and 30 years. In the last few years a few companies have added 25, 35 and 40 years. The advantages of term insurance are a low price compared to universal or whole life and the ability to tailor your insurance to how long your actual need should last. Need more information?