If you needs for life insurance are short-term, less than 30 years, then term life insurance may be the most affordable option.
If you have lifetime needs, then permanent life insurance can help provide the protection you need.
In addition, many people choose to buy a permanent life insurance policy for their final expense needs, and a term life insurance policy for their short term needs of 30 years or less, while they have a growing family and a home mortgage to protect.
Term life insurance coverage costs a lot less than permanent life insurance which means you can afford a lot more life insurance protection for your money.
Also, term life offers flexibility allowing you to choose life insurance for a period of 10, 15, 20 or 30 years, depending on your life insurance needs.
Here's an article that reviews the benefits of the top 10 life insurance policies to help you find the plan that meets your family's life insurance needs.