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Term life insurance provides coverage for a specific period (usually 10, 20, or 30 years). It pays out a death benefit to beneficiaries if the insured dies during the policy term. It's one of the most cost-effective forms of life insurance and is ideal for those seeking high coverage at low premiums without investment or savings components. There's no payout if the policyholder survives the term unless the policy includes a return-of-premium rider.