31. Direct-sold term insurance used to be cheaper than agent-sold, but that is not true anymore. 32. Short-term insurance business refers to the business of providing policy benefits under defined short-term policies. 33. Ecclesiastical underwrites general and long-term insurance , everything except marine, aviation and transport, and employees 700 people. 34. Would have created a tax deduction for the purchase of long-term insurance covering nursing home care. 35. That's another reason to choose term insurance _ you buy only as much as you need. 36. The American General policy might be most useful for someone who needs very short-term insurance immediately. 37. Everyone and his brother sells term insurance today. 38. If you do, the type you should buy is called term insurance , which is relatively inexpensive. 39. "Will cheap term insurance still be available next year ? " asks Van Elsen, the consultant. 40. The company pays for two times his salary in term insurance , or $ 120, 000, she says.