Why Term Insurance Over Whole Life? 
If you need a lot of coverage for a temporary need , Term is more cost effective , at least in the short run , than Whole Life . While Whole Life builds up cash values that can make it come out ahead of term in the end , not everyone can afford the amount of coverage they need in a permanent policy . Sometimes taking a combination of Term and Whole Life can be helpful to keep costs down , yet have enough coverage to get the protection you need , yet some coverage locked in for life . 