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- You pay monthly premiums once a month, on the date of your billing cycle. While splitting up the premiums is better for some budgets, missing payments can risk a policy lapse. With annual premium payments, you only pay one lump sum to your insurer each year. Annual premiums mean fewer payments to track, as well as a bulk discount.www.policygenius.com/life-insurance/should-i-pay-my-life-insurance-premiums-…
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