Why term insurance is best?

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Why term insurance is best?
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• There are no complicated rules or investment
  components - which is good, because
  life insurance isn't a good investment. The
  alternative to term is permanent life insurance,
  which can cover you for your entire lifespan so
  long as you keep paying the premiums. ... It's
  much more expensive than term.

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• You can buy two or more term insurance plans to
  fulfill your insurance needs. It is possible
  to have more than one beneficiary for
  the insurance plan. If you have two insurance
  plans, there is no stipulation of nominating the
  same beneficiary for both the insurance plans.

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• Tips to choose the best Term Plan
• Tip 1 Think About Your Life Stage Number of
  Family Members When Determining Cover Amount. ...
• Tip 2 Think of How Much Your Family Will Need to
  Maintain Their Lifestyle. ...
• Tip 3 Cover Amount Should be Determined Based on
  Family's Needs Not Just Your Income. ...
• Tip 4 Add Any Liabilities You May Have to the
  Cover Amount.

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• Life insurance is a good idea when you have a lot
  of financial obligations i.e. kids, a mortgage,
  and other debt. Online buying makes it easy to
  compare Best term insurance policies to find one
  that covers all your needs. ... The death benefit
  is a lump sum of cash paid out by the
  life insurance company when you die.