Why Is Term Life Insurance Better? 
Short answer ? It 's cheap . The longer answer has to do with your intended need for the policy , and for the length of that need . It does n't make financial sense to pay more money for a whole life policy to cover a 4 year need , for example , any more than it makes sense for someone to buy a 5 year term policy and intend for it to cover their funeral expenses when they pass somewhere far down the road . Term policies are great for some things , and not so great for others . Please contact me , and I 'll give you a fuller answer . Thanks for asking ! 