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Term life rates creep up

Term life insurance rates are increasing for the first time in decades, and while the hikes have been modest, this may be the time to buy a policy. “There is no more waiting for prices to go down,” says Byron Udell, founder and CEO of “The best time to buy life insurance may have been yesterday, but the next best time is today.” Unlike milk, gasoline and nearly everything else, premiums on term, or nonpermanent, life insurance have fallen by as much as 70 percent since their highs in the mid-1990s, according to Udell. But that trend began to reverse itself earlier this year. “Over the past six months, almost every carrier has had an increase of one sort or another,” says...

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