Why Permanent Life Insurance Versus Term? 
Each type of life insurance has its ' uses . Generally , term insurance is purchase to protect against a premature death . New parents would want as much coverage as affordable but would usually need coverage for a period of time . Permanent coverage is usually more expensive because it is designed to stay in force for the insured 's lifetime . For example , permanent coverage is appropriate for final expenses or to pay estate tax . There are many other uses for each type of coverage . There is no `` one size fits all '' . As a consumer your best bet is to understand your objective and to communicate it clearly to an agent that understands the market . 