A term insurance plan provides life cover for a fixed period. If the policyholder survives until the end of this period, what happens next depends on the type of plan and its terms. A standard term plan generally does not provide a maturity payout, while some plans may return eligible premiums if they specifically include a return-of-premium feature. Term insurance plans can be available for different periods, commonly ranging from 10 to 40 years, although the exact options depend on the insurer and policy. Understanding what happens at the end of the policy term can help you plan your life insurance needs better and avoid surprises when the cover expires.
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