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A term policy can be converted to a permanent life insurance policy at any time during the term period up to age 65 Affordable coverage that will not increase.
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If you're in your 20s and plan on having children over the next several years then a 30-year plan might make sense for you If you have a few kids in the house and don't expect any more then a 15- or 20-year plan would be a better option.
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