11.   It permits a policyholder to shift automatically into a whole life policy when a term policy expires, without submitting to a medical examination.

12.   People who want life insurance will often do better by simply buying a term policy, the most economical form.

13.   Savings Bank Life Insurance of Massachusetts, the largest seller of term policies in the state, last week announced a major price cut.

14.   Simply dropping the insurance means that the premiums go to waste, because term policies have no cash value.

15.   Someone can buy an Ameritas term policy, which does not have any cash value, with the right to convert to one of its cash-value policies.

16.   Subject to policy terms, the insurance covers office calls, injections, prescriptions, treatments, lab fees, X-rays, surgery and hospitalization.

17.   Term policies provide insurance for a set period of time without the investment features common in other types of life insurance.

18.   Term policies provide insurance for a set period of time, without the savings and investment features common in other types of life insurance.

19.   Term policies, now one of the fastest-growing types of life insurance, have no investment component.

20.   The dispute involved policy terms that say patients must repay the cost of their medical care if they later win a lawsuit against people who caused their injuries.