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Term insurance is a type of life insurance policy that provides coverage for a certain period of time or a specified "term" of years. If the insured dies during the time period specified in the policy and the policy is active, or in force, a death benefit will be paid.

Final expense insurance is just a marketing term for a small whole life insurance policy that is easy to qualify for. The beneficiaries of a final expense life insurance policy can use the policy's payout for any purpose whatsoever. The death benefit is usually somewhere between $2,000 and $50,000.

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