Does that mean I’ve wasted my money if I don’t die?

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No more than you have wasted money by buying car insurance but never having an accident. You’ve purchased peace of mind. With term life insurance, if you die during the term, you know the company will pay your beneficiaries.

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What do I get when I buy term insurance?
An insurance agent has suggested I switch term companies every couple of years to take advantage of the company’s promotional rates in the first couple of years. Anything wrong with that?