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Term Life Insurance
Temporary, typically lower-cost life insurance protection for a defined period — often considered alongside a mortgage, young children, or a single-income household.
What this covers
- Coverage periods (e.g. 10, 20, 30 years) and what happens at the end of the term
- Affordability relative to permanent life insurance, generally
- Renewal provisions and how premiums typically change at renewal
- Conversion options to a permanent policy, where offered
What to watch for
- Coverage generally ends when the term ends unless renewed or converted, at which point cost usually increases with age.
- Underwriting (health, age, and other factors) affects eligibility and pricing and varies by carrier.
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