CNBC Select reviews Amica's term and whole life insurance plans, which come with a free terminal illness rider.

I took out a 20-year term life insurance policy for $500,000 and named my wife as beneficiary. The annual premiums were a couple hundred dollars. The term is up and the new annual premium is $4,600.

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CNBC reviews Mutual of Omaha life insurance, which including term life policies up to age 80 and final expense coverage to age 85.

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