Which Kind Of Life Insurance Should I Get? 
It depends on what you 're looking for . Term life plans are designed to cover large items -LRB- like a house -RRB- that will still need to be paid after you die in order to make it easier for the people you leave behind . Once the item is paid off , term life is n't as important . Whole life can be used as a gift , to pay for funeral expenses , or to leave a legacy to your family . Some plans can be used as a source of income if you need extra money . Then there are hybrid plans that combine some of the above features . The best option is to talk to an independent broker in your area that has studied all of these types and discuss your needs . They will be happy to help you find the plan that works best for you . 