You are just covered for a foreordained measure of time with this sort of calamity protection.
Assuming something happens to you inside that time span, your recipients might get remuneration.
If you’re going on a short trip or doing something potentially risky, this strategy is ideal for you.
Even though the costs are a little bit more expensive, you really get the genuine serenity that comes from realizing that you have plans in place in case something terrible happens.