Buying a term life policy is by far the most popular and affordable way to get life insurance. It can provide you and your family with a significant financial safety net should the worst happen, and for minimal upfront costs, at least during the years you plan to be working.
That’s part of what makes the best term life insurance policies affordable. You have them only for a set time period (or “term”), which is when you’re relatively young and healthy.
Determining what policy is going to be best for you and your family requires a brief exercise in self-discovery and a little research. Once you decide on the coverage you want, the only way to find the best deal is to request quotes from multiple insurers. With life insurance, everyone’s rates are unique (sort of like car insurance) and determined by your age, current health and a host of other variables.