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Many types of life insurance are available, with different rules for coverage, premiums and other policy benefits. Permanent policies, such as whole life and universal life, don’t have a set expiration date. Temporary term policies do. Term policies start out more affordable but get more expensive if you decide to renew. Some permanent policies build cash value — money you can take out while alive. The way this works depends on the policy. Understanding the different types of life insurance can
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