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Term life insurance typically offers lower premiums compared to whole life insurance, making it more affordable for individuals or families who need temporary coverage for a specific period, such as during their working years or while paying off a mortgage.

Term life policies allow you to select coverage periods that align with your financial obligations, such as the duration of a mortgage or until children are financially independent, providing flexibility and cost-effectiveness.

Term life insurance provides a death benefit to your beneficiaries if you pass away during the policy term, offering financial protection during critical periods when your loved ones may rely on your income the most, such as when paying off debts, funding education, or maintaining their standard of living.

Having dental insurance is crucial because it helps individuals afford essential dental care, including routine check-ups, cleanings, and treatments, which are vital for maintaining oral health and preventing more serious dental problems in the future.