The best plan for you will depend on your own personal situation and needs. Ask yourself what goal are you trying to accomplish with your life insurance and how long will you need coverage?
Then consider the two types of coverage. Term insurance is temporary, providing protection for up to thirty years.
Whereas, permanent insurance provides lifetime protection and the premiums remain the same throughout the life of your policy. It may build cash value inside the plan from which you may take a loan if needed.
Term insurance costs a lot less because it is temporary, builds no cash value and you may outlive the duration of your life insurance.
Here's how you can learn more about term life insurance versus permanent life insurance to help you decide which is best for you.