Car Insurance
%3Ch1%3ETerm%20life%20insurance%3C%2Fh1%3E%0D%0A%3Cp%3ETerm%20life%20insurance%20is%20the%20original%20form%20of%20life%20insurance%20and%20is%20considered%20to%20be%20pure%20insurance%20protection%20because%20it%20builds%20no%20cash%20value.%20This%20is%20in%20contrast%20to%20permanent%20life%20insurance%20such%20as%20whole%20life%2C%20universal%20life%2C%20and%20variable%20universal%20life.%0D%0A%3C%2Fp%3E%0D%0A%3Cp%3ETerm%20life%20insurance%20provides%20coverage%20for%20a%20limited%20period%20of%20time%2C%20the%20relevant%20term.%20After%20that%20period%2C%20the%20insured%20can%20drop%20the%20policy%20or%20pay%20annually%20increasing%20premiums%20to%20continue%20the%20coverage.%20If%20the%20insured%20dies%20during%20the%20term%2C%20the%20death%20benefit%20will%20be%20paid%20to%20the%20beneficiary.%20Term%20insurance%20is%20often%20the%20most%20inexpensive%20way%20to%20purchase%20a%20substantial%20death%20benefit%20on%20a%20coverage%20amount%20per%20premium%20dollar%20basis.%0D%0A%3C%2Fp%3E%0D%0A%3Cp%3ETerm%20insurance%20functions%20in%20a%20manner%20similar%20to%20most%20other%20types%20of%20insurance%20in%20that%20it%20satisfies%20claims%20against%20what%20is%20insured%20if%20the%20premiums%20are%20up%20to%20date%20and%20the%20contract%20has%20not%20expired%2C%20and%20does%20not%20expect%20a%20return%20of%20Premium%20dollars%20if%20no%20claims%20are%20filed.%20As%20an%20example%2C%20auto%20insurance%20will%20satisfy%20claims%20against%20the%20insured%20in%20the%20event%20of%20an%20accident%20and%20a%20home%20owner%20policy%20will%20satisfy%20claims%20against%20the%20home%20if%20it%20is%20damaged%20or%20destroyed%20by%2C%20for%20example%2C%20an%20earthquake%20or%20fire.%20Whether%20or%20not%20these%20events%20will%20occur%20is%20uncertain%2C%20and%20if%20the%20policy%20holder%20discontinues%20coverage%20because%20he%20has%20sold%20the%20insured%20car%20or%20home%20the%20insurance%20company%20will%20not%20refund%20the%20premium.%20This%20is%20purely%20risk%20protection.%3C%2Fp%3E
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