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Permanent life insurance coverage Policy: this type of insurance that is still until the insurance policy matures, unless the dog owner fails to spend the premium. Called the two-year incontestability clause, this clause was designed to save life insurance coverage companies from coughing up on an insurance policy when the person lied on the application to qualify for cheap term life insurance rates. It is important to know that term life insurance coverage is most effective as a death benefit. WiBpMRk, how do i determine how much life insurance is needed, nGihJUB, life insurance massachusetts residents, BokLMtC, prudential annuity and variable life insurance death benefits claim form, WcnLdsZ,