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Regardless of how you plan to use the 20 year term policy you have chosen a good policy to check out. This is probably the most bought term policy. Let us see why.
What Makes This Policy So Outstanding?
Why would a person buy a 20 year term insurance policy?
The 20 year term life policy was designed to fulfill temporary needs for life insurance coverage but many people now think of this policy as a permanent solution.
If you choose the 20 year term life insurance you have the option of adding the
waiver of premium rider
to the base policy, at a minimal extra premium.
This rider simply states that if you should become disabled the life insurance company will waive your premiums.
Whenever you are able to go back to work you pick up the premiums again. You must, however, be disabled for a minimum period...6 months with most companies.
You can also add the
accidental death benefit rider
to your 20 year term life insurance policy, also at a minimal cost.
This rider simply states that if you should die in a accident the life insurance company will pay twice the face amount of the policy to your beneficiary. This is most commonly referred to as the double indemnity clause.
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