I used to be covered by my employer's group life insurance program, but since I became self-employed I need to find my own life insurance.
I don't have a lot of spare cash right now and I need something that covers my wife too.
Term life insurance can provide you with the lowest priced life insurance for a period of 10, 15, 20, 25, or 30 years of life insurance protection.
You may also want to buy a separate permanent life insurance plan to provide lifetime protection that can help to pay for your final expenses, if you live past 30 years.
You can buy a separate term life insurance plan, one for you and one for your wife, that way your family will be protected, if you or your wife were to pass away.
Term life costs a lot less than permanent life insurance because it is temporary and does not build cash value inside the life insurance policy. So, you can afford a lot more life insurance for your money by choosing a term life plan.
Here's how you can learn more about low cost family life insurance plans and compare rate quotes online among several leading life insurance carriers.