Is Term Life Insurance The Best? 
Is term life the best ? I guess I would ask for what ? Temporary or limited time coverage ? yes , absolutely . A lifetime ? Unless you plan on dying early , term is not the best product . Term is priced to account for short term needs . Long term , since the cost maximums are set so high , your costs could basically to a dollar premium charged for a dollar insurance benefit provided . The question becomes will the term be in force when you need it ? That is actually the best insurance , the one you have paid your premium on that is in force when you die . 