[header] How to decrease term life insurance [title] Understand why term life insurance is important. [step] Any life insurance policy will provide death benefits to your loved ones in case you pass away. This can be especially important if you leave behind large assets that are still being paid off or you have a family to look out for after your passing. 
This will ensure that your loved ones are not left holding the bag with large amounts of debt. [title] Realize that by reducing the premium you pay, you are also reducing the amount of payout coverage that you receive in the event of your death.