term policy

noun Insurance.
a policy whose period of coverage is in excess of one year, usually paying a reduced premium rate, as in fire insurance.

Origin:
1895–1900

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Based on the Random House Dictionary, © Random House, Inc. 2014.
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Example sentences
Trying to limit their options and beat money out of them with a bigger and
  bigger stick has never been a viable long-term policy.
Our country needs a long-term policy that provides energy from our own ample
  natural resources.
He has a sense for marketing more than serious and long-term policy making and
  gets bored easily.
Thus many are starting to point fingers in relation to both the short-term
  response and long-term policy failures.
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