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Premiums can be paid on a continuous basis over the insured's lifetime or on any limited basis, such as a single payment, or annually (or monthly, or quarterly, for example) for a stipulated period of time, such as 10 years, or until the life insured's age 65. Whole life policies establish the premium rate when the policy is purchased, and the rate is usually guaranteed not to increase for the life of the contract.

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