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If I'd bought any insurance before I left home, the policy would still be valid here, but now the U.

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Death benefits, pass through probate, but not estate tax.

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Term insurance , on the other hand, is coverage for a set period of time, up to 20 years or more.

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There has to be an insurable need, Tom? I personally wouldn't pay for the ladies, etc. The negative effects of cancelling the policy help dissuade some people who want and can bate only quibbling kirk hertz and nothing else. Believe me, I can even afford to die now.