You maybe able to exchange it for another term policy or convert it to a cash value life insurance policy, renew the policy every 1 to 5 years, or cancel the policy. Majority of term policies expires at age 95, not at the end of the initial term.
Full Definition of DERAILLEUR. : a mechanism for shifting gears on a bicycle that operates by moving the chain from one set of exposed gears to another. See derailleur defined for English-language learners. See derailleur defined for kids.
To hinder is defined as to restrain or hold something back. An example of to hinder is to block an entrance with barriers. An example of to hinder is to hold someone's arm to keep them from going through a door. to keep back; restrain; get in the way of; prevent; stop.