tentacle - any of various elongated tactile or prehensile flexible organs that occur on the head or near the mouth in many animals; used for feeling or grasping or locomotion. feeler, antenna - one of a pair of mobile appendages on the head of e.g. insects and crustaceans; typically sensitive to touch and taste.
A term can be 5, 10, 20, or even 30 years. The coverage you can buy for life insurance without a physical exam can cover you up to certain policy amounts. This can be anywhere from $250,000 up to as much as $500,000, because these policy limitations vary greatly from company to company.
By the time the kids are salary-earning adults, they won't need the payout, and hopefully, your assets would be enough to support a surviving spouse. You need a lot of life insurance for 25 to 40 years, says Hunter, but not much after that â which is what term policies are designed for. And the savings are significant. A healthy 45-year-old non-smoking man could get a 20-year, $500,000 term life policy for about $615 a year.