A term policy is the best and the cheapest way to buy life insurance. Most of us only need term life insurance. It is the most efficient form of life insurance to cover your liabilities.

This product is a no-brainer. People who purchase this product want to be covered for a specified period, such as 1, 5, 10, 15, 20, 25, 30, and 35 years. Premiums will be fixed for the term.

A majority of the insurance companies will sell simple term up to 30 or 35 years of coverage. It only covers death within those years. The premiums are fixed for the term and the death benefit stays constant. However, you are renting a policy and will lose all the premium paid at the end of the term.

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