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.
Full Definition of HINDER. transitive verb. 1. : to make slow or difficult the progress of: hamper. 2. : to hold back: check. intransitive verb. : to delay, impede, or prevent action.