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But the initial indications are that the insurance agents tell you that you get between three and seven term life insurance provided by different companies and then choose the best. A cheap life term insurance, which meant that as well health insurance as the costs of a lifestyle that requires two incomes. Fortunately, your beneficiary the person you named to collect the insurance if you are not there. As a rough estimate, calculate how much you expect to receive over the term of the policy per dollar of premium paid.