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Although most people are under-insured with regard to life insurance, those who purchase affordable term life assurance tend to over-insure themselves. That is, they either overestimate their death benefit requirements or protract the term of their policy unnecessarily. You don't want to sell yourself short on coverage, but you can be economical and reasonable in deciding on your policy's term and benefit. Shorter terms and more modest benefits will result in the most affordable term life insurance.