How To Evaluate Term Life Insurance? 
Remember that Term is temporary , so evaluate your need and how long you will need it . If you truly buy term and invest the rest , then perhaps when you are years older , you will have set aside enough funds to fully protect your family at that time . For now then , you need insurance to protect your family due to your lack of accumulated funds . Figure out the number of years it may take to have enough funds . That would be a reasonable term for your term insurance . Or figure out when the kids may be out of the household and independent . Or if your spouse works , when they may have accumulated enough to be self sufficient . The longer the term , the more expensive it is per year 's coverage , so be reasonable . Most opt for 20 year term , although longer is available from many companies . Go with a company you can count on . How long have they been in business ? Will they be there for you ? What is their reputation for paying fairly and quickly ? Talk with your agent for the best price , for what is truly the best coverage . Quality is at least as important as price . Thank you . GARY LANE . 