Does Term Life Insurance Decrease Over Time? 
I have searched high and low and have not been able to locate a decreasing Term life insurance policy for the past couple of years . The only way I know how to get actual life insurance to have a lower face amount each year is to get an annually renewable policy and take out a smaller amount the next year . All the Term policies I know of are level benefit , meaning that the death benefit stays the same for a set number of years . 