One of the problems that many people have with term life insurance policies are that, if they don't die, the life insurance company will get to keep the entire amount. However, you do have other options. You can use a variable life insurance policy to invest in so that, not only can you receive a portion of the money that you paid if you do not die before the estimated time but, you may end up with even more death benefit coverage and more potential cash value than you paid in if your stocks, bonds, or money market accounts fair well.

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