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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.

Having hearing insurance is crucial because it supports individuals in accessing regular hearing evaluations, obtaining necessary hearing aids or other assistive devices, and addressing any hearing-related issues promptly, ensuring optimal communication abilities and overall quality of life.

Vision insurance is crucial because it facilitates regular eye exams, which are essential for detecting early signs of eye diseases, correcting vision impairments with glasses or contact lenses, and preserving overall eye health.

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.