Term life insurance or term assurance is life insurance which provides coverage for a limited period of time, the relevant term. After that period, the insured can either drop the policy or pay annually increasing premiums to continue the coverage. If the insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is often the most inexpensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis. Term life insurance is the original form of life insurance and is considered to be pure insurance protection because it builds no cash value. This is in contrast to permanent life insurance such as whole life, universal life, and variable universal life. Term insurance functions in a manner similar to most other types of insurance in that it satisfies claims against what is insured if the premiums are up to date and the contract has not expired, and does not expect a return of Premium dollars if no claims are filed. As an example, auto insurance will satisfy claims against the insured in the event of an accident and a home owner policy will satisfy claims against the home if it is damaged or destroyed by, for example, an earthquake or fire. Whether or not these events will occur is uncertain, and if the policy holder discontinues coverage because he has sold the insured car or home the insurance company will not refund the premium. This is purely risk protection.

Green Vehicle

A green vehicle is a vehicle that is considered to be more "environmentally friendly" than traditional all-petroleum internal combustion engine vehicles. This is accomplished by having a low dust to dust energy cost. It provides a way of sustainable transport. The United States Environmental Protection Agency (EPA) is promoting the marketing of greener cars via the Smart Way program. The Smart Way and Smart Way Elite designation mean that a vehicle is a better environmental performer relative to other vehicles. This US EPA designation is arrived at by taking into account a vehicle's Air Pollution Score and Greenhouse Gas Score. Higher Air Pollution Scores indicate vehicles that emit lower amounts of pollutants that cause smog relative to other vehicles. Higher Greenhouse Gas Scores indicate vehicles that emit lower amounts of carbon dioxide and have improved fuel economy relative to other vehicles. To earn the Smart Way designation, a vehicle must earn at least a 6 on the Air Pollution Score and at least a 6 on the Greenhouse Gas Score, but have a combined score of at least 13. Smart Way Elite is given to those vehicles that score 9 or better on both the Greenhouse Gas and Air Pollution Scores.

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