Term Life Insurance is life insurance coverage with a level premium for a "term" of years.  This guarantees that you will pay the same premium for whatever term you choose.  Typical term periods are 10, 15, 20, and 30 years.  Term coverage is the original and least expensive type of life insurance.  Most companies have policies that are convertible to permanent insurance.  This means that you have the right to convert part or all of your term insurance to permanent insurance coverage at age of conversion without having to prove your health qualifications again.  Another relatively newer benefit of most term policies is the inclusion of a Terminal Illness Accelerated Benefits Rider.  These riders are included with most good term policies these days and allow for you to access part or all of the death benefit while you are still alive.  If you are diagnosed by your doctor to have a terminal illness and are expected to die within a certain period of time, typically one to two years, then you are eligible for the benefit.

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