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Term Life Insurance Term life insurance is by far the most popular type of life insurance because it’s straightforward, affordable, and lasts as long as you need — for most people, that’s between 10 and 40 years. Premiums can be paid monthly or annually, and in exchange for relatively low rates, your beneficiaries get a large lump sum of money after you di It's not about what you have at the end of life, it's what you leave behind that matters.Stedman Graham Facts About Life Insurance: Must-Know Statistics in 2022…