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Larsen Destiny

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The downside to Term life insurance is that when you at first begin out, your payments are low and coverage is high, but at the end of your 20 year term you decide you still need coverage and the cost is much higher since your are now 20 years older. Some term life insurance policies do provide an arrangement that will permit a person to convert their term into long-term life insurance in the very first few years of the policy.

LJM Life Insurance