Matt Richardson is the senior managing editor for the Managing Your Money section for CBSNews.com. He writes and edits content about personal finance ranging from savings to investing to insurance.

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With this type of insurance, you pay a regular monthly (or occasionally, annual) premium to a life insurance company. If you die during the term of the policy, a lump sum is paid out to your family – ...

Jonathan Ponciano is a financial journalist with nearly a decade of experience covering markets, technology, and entrepreneurship. Suzanne is a content marketer, writer, and fact-checker. She holds a ...