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Term life insurance is a type of life insurance that provides coverage for a specific period of time, typically ranging from one to thirty years. It is a popular and affordable option for those who need coverage for a specific period, such as during the term of a mortgage or until children are grown and independent. Term life insurance offers a death benefit to beneficiaries if the insured passes away during the policy term, but does not offer any cash value or investment component.

Permanent Cash Value Life Insurance is a type of life insurance that provides both a death benefit and a cash value component. The cash value of the policy grows tax-deferred over time and can be used as a source of savings or borrowed against for various purposes. Unlike term life insurance, which only provides coverage for a specific period of time, permanent cash-value life insurance can provide lifelong coverage and financial security. 

A buy-sell agreement is a legal contract between co-owners of a business that outlines what will happen to a partner's share of the business if they become incapacitated or pass away. This agreement can be funded with life insurance and is known as a buy-sell agreement using life insurance. In this arrangement, the proceeds from the life insurance policy are used to purchase the deceased partner's share of the business, which helps ensure the continued financial stability of the business. 

Key person insurance is a type of life insurance that a company purchases on the life of an employee or key executive who is deemed critical to the success of the business. In the event of the death of the key person, the insurance policy pays a death benefit to the company, which can be used to cover financial losses or costs associated with finding and training a replacement, as well as any other expenses related to the transition.