williamblake0123
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Is it still around?
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Is it still around?
I last saw decreasing term well over 5 years ago. Even then, you could find a level term for less money. Someone else mentioned laddering, you can come close with that concept. You can also use an insurance company who offers "term" on a UL chassis. When the level term period expires, the client has an option to keep paying the same premium while the face amount decreases to match the cost of insurance paid.