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	<title>life-insurance-explained.com &#187; Term Life</title>
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	<description>Life Insurance Explained - Everything About Life Insurance</description>
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		<title>Return Of Premium Term Life Insurance : Better “Terms”</title>
		<link>http://www.life-insurance-explained.com/term-life-insurance/return-of-premium-term-life-insurance-better-%e2%80%9cterms%e2%80%9d/</link>
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		<pubDate>Mon, 21 Dec 2009 09:57:43 +0000</pubDate>
		<dc:creator>Sahil</dc:creator>
				<category><![CDATA[Term Life]]></category>
		<category><![CDATA[Return of premium term life insurance]]></category>
		<category><![CDATA[return of premiums]]></category>
		<category><![CDATA[ROP]]></category>
		<category><![CDATA[term insurance]]></category>

		<guid isPermaLink="false">http://www.life-insurance-explained.com/?p=275</guid>
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Return of premium term life insurance is a type of term life insurance that solves the inevitable dilemma that a term life policy presents. In traditional term life policies, the amount of premiums is non refundable and once the term expires, the policyholder is left with nothing. To mitigate the loss due to such a [...]]]></description>
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		<title>Cost Of Living Rider: Advantages</title>
		<link>http://www.life-insurance-explained.com/term-life-insurance/cost-of-living-rider/</link>
		<comments>http://www.life-insurance-explained.com/term-life-insurance/cost-of-living-rider/#comments</comments>
		<pubDate>Fri, 18 Dec 2009 07:53:30 +0000</pubDate>
		<dc:creator>Sahil</dc:creator>
				<category><![CDATA[Term Life]]></category>
		<category><![CDATA[Consumer price index rider]]></category>
		<category><![CDATA[Cost of living rider]]></category>
		<category><![CDATA[disability riders]]></category>
		<category><![CDATA[insurance riders]]></category>
		<category><![CDATA[long term insurance]]></category>
		<category><![CDATA[riders]]></category>
		<category><![CDATA[term insurance]]></category>

		<guid isPermaLink="false">http://www.life-insurance-explained.com/?p=250</guid>
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The cost of living rider is a rider to life insurance or disability insurance which counterbalances and keeps up the value of the policy at par with the cost of living. This means that as time progresses and the value of money drops (inevitably) the insurance adjusts to the rising cost of living. This is [...]]]></description>
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		<title>Group Term Life Insurance: The Frugal Alternative</title>
		<link>http://www.life-insurance-explained.com/term-life-insurance/group-term-life-insurance/</link>
		<comments>http://www.life-insurance-explained.com/term-life-insurance/group-term-life-insurance/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 13:09:08 +0000</pubDate>
		<dc:creator>Sahil</dc:creator>
				<category><![CDATA[Term Life]]></category>
		<category><![CDATA[group insurance]]></category>
		<category><![CDATA[Group term insurance]]></category>
		<category><![CDATA[term insurance]]></category>

		<guid isPermaLink="false">http://bettertestlife.com/?p=81</guid>
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Group term life insurance is a type of insurance policy that covers numerous people at one time. As the name itself suggests an insurance policy that is taken out on a group of people in order to reduce the risk is called group term insurance. The advantage of such insurance policies is that the premiums [...]]]></description>
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		<title>Endowment Insurance Policy</title>
		<link>http://www.life-insurance-explained.com/term-life-insurance/endowment-insurance-policy/</link>
		<comments>http://www.life-insurance-explained.com/term-life-insurance/endowment-insurance-policy/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 12:23:11 +0000</pubDate>
		<dc:creator>Sahil</dc:creator>
				<category><![CDATA[Term Life]]></category>
		<category><![CDATA[endowment]]></category>
		<category><![CDATA[Endowment policy]]></category>
		<category><![CDATA[insurance policy]]></category>
		<category><![CDATA[life insurance policy]]></category>
		<category><![CDATA[unit linked endowment policy]]></category>

		<guid isPermaLink="false">http://bettertestlife.com/?p=66</guid>
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An endowment policy is a contract that pays a lump sum amount in the event of death of the insured or after ‘maturity’ of the contract. Endowment policies are usually unit linked ones and are not very flexible in nature. The maturity period of such policies can range from ten to thirty years.

Endowment policies are [...]]]></description>
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		<title>Decreasing Term Life Insurance</title>
		<link>http://www.life-insurance-explained.com/term-life-insurance/decreasing-term-life-insurance/</link>
		<comments>http://www.life-insurance-explained.com/term-life-insurance/decreasing-term-life-insurance/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 11:10:17 +0000</pubDate>
		<dc:creator>Sahil</dc:creator>
				<category><![CDATA[Term Life]]></category>
		<category><![CDATA[Decreasing term life insurance]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[life insurance]]></category>

		<guid isPermaLink="false">http://bettertestlife.com/?p=39</guid>
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Decreasing term life insurance is a type of term life insurance. It is different from a level term insurance, which guarantees a fixed payout if you pass away or if you are detected with a serious disease or disability as defined by the policy. As an alternative, the quantity of disbursement reduces, frequently on an [...]]]></description>
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		<title>Level Term Insurance</title>
		<link>http://www.life-insurance-explained.com/term-life-insurance/level-term-insurance/</link>
		<comments>http://www.life-insurance-explained.com/term-life-insurance/level-term-insurance/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 11:01:56 +0000</pubDate>
		<dc:creator>Sahil</dc:creator>
				<category><![CDATA[Term Life]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[Level term insurance]]></category>
		<category><![CDATA[short term insurance]]></category>
		<category><![CDATA[term insurance]]></category>

		<guid isPermaLink="false">http://bettertestlife.com/?p=36</guid>
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Level term insurance is a sort of life insurance that provides steady coverage over a specific period of time. The face value of a level term policy stays the same for the period of the time selected. Life insurance terms can be from one year to 30 years or more. However, level term coverage can [...]]]></description>
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		<title>Term Life Insurance: Pros and Cons</title>
		<link>http://www.life-insurance-explained.com/term-life-insurance/term-life-insurance/</link>
		<comments>http://www.life-insurance-explained.com/term-life-insurance/term-life-insurance/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 10:52:41 +0000</pubDate>
		<dc:creator>Sahil</dc:creator>
				<category><![CDATA[Term Life]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[short term life insurance]]></category>

		<guid isPermaLink="false">http://bettertestlife.com/?p=32</guid>
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Term insurance is short term in nature and provides protection for usually one year. This is the cheapest form of insurance that is available albeit the catch is that you do not get anything if the term expires. This type of insurance can be renewed periodically and requires lesser amount of premiums to be paid.

The [...]]]></description>
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