How much do you know about life insurance?

Whether you already have life insurance or are thinking about getting it, understanding the different types can help you pick the right policy.

Here’s a brief explanation of five common kinds of life insurance and why someone might choose each one.

Term

Term policies pay death benefits if you pass away during a certain time frame — usually 10, 20 or 30 years. You might buy term life insurance if you want to protect your partner or children from the risk of losing your income during your working years.

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