term insurance : are you in for it?

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Term insurance is a pure insurance wherein you are buying a death benefit. that is "in case one dies, wht would the beneficiaries get" you pay a premium every year however there is no cash built up and at the end of the term, in case the policy holder survives, there is no money return. it is like car health insurance. i dont have one. how many of you have one and how much is the sum assured?