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.
hoarder - a person who accumulates things and hides them away for future use. pack rat, scavenger, magpie - someone who collects things that have been discarded by others. miser - a stingy hoarder of money and possessions (often living miserably) niggard, scrooge, skinflint, churl - a selfish person who is unwilling to give or spend