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A human life is worth $6.2 million, Amar said, referring to a value that was used by EPA in the past. What do you need -- about 150 people to die? And that's a billion dollars.
A 10 year life level term life insurance policy gives the individual 10 years of protection with the premium remaining the same for those years. At the end of the period if you feel you still need coverage then it can be renewed for another 10 years with either the same face amount or a lesser face amount.