National Retirement Benefits Association

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Term Life Insurance

Term life insurance contracts, also known as pure insurance policies, provide life insurance coverage to individuals for a specific period of time, or term, commonly issued with five-, 10-, 15-, 20-, 25- and 30-year terms. Because an expiration date exists, term insurance is considered temporary coverage. Individuals who obtain a term insurance policy enter into a contract with the life insurance carrier that guarantees a specified death benefit in exchange for a specified level premium throughout the term of the contract. Should a policyholder pass away during that term, his beneficiary receives the total death benefit as a tax-free payout.

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ALL INSURANCE COMPANIES AND INSURANCE AGENTS ONLY PAY A ROYALTY FEES TO THE NRBA
FOR THE USE OF IT’S INTELLECTUAL PROPERTY. THESE FEES ARE USED FOR THE GENERAL
PURPOSES OF NRBA INC. NRBA INC. AND IT’S AFFILIATES ARE NOT INSURERS, AND DON’T SELL
INSURANCE. NRBA ENDORSED INSURANCE PRODUCTS ARE ONLY SOLD BY PROPERLY LICENSED
INSURANCE AGENTS IN THE STATE WHERE THE INSURANCE PRODUCT IS SOLD
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