Term life insurance offers affordable coverage with a significant tax-free death benefit, but most policies don't pay out.

With level term insurance, the payout your loved ones receives remains ... provided that you continue to pay premiums (at least until you reach 90). That could mean that the payout is less than the ...

Level Premium Term: Coverage is available for terms lasting 10, 15 or 20 years, with life insurance death benefits starting at $100,000. You can typically convert the policy to permanent coverage ...

Long-term care insurance policies use level premiums, meaning that after you sign up, the insurer cannot increase the cost based on your age and health. Buying younger can lock in a better deal.