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20 year term

20 year term life insurance is life insurance that has premiums that are level for 20 years. Most 20 year term policies also renew for another 20 years at a higher premium.

20 year term polices typically are also convertible, allowing the policy to be switched or converted to permanent insurance without a medical exam.

20 year term is commonly used by young families seeking mortgage and family protection while children are still financially dependent.