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The death benefit is for a period till the term of the policy exists and it is used mostly to pay off debts in the event of your death. Another policy is Decreasing Term Life policy which works well for protecting a mortgage on your house. As the name itself says, this policy decreases the death benefit each year it remains in power. Spy cam many people prefer this type of coverage as an ideal one as it helps to pay the house payment upon their death, removing the financial burden from the existing spouse.