What Is The Best Life Insurance To Buy? 
That is a great question , and one we are commonly asked . The answer really kind of depends upon what you want it to do , and your budget . If you want to have a policy to cover a short term loan -LRB- mortgage , college loans , etc. -RRB- then a term policy makes sense . If you just do n't have much money to work with right now , but expect to in the near future , maybe a term policy makes sense . If you want the security of knowing that your rates are set , and wo n't go up , and knowing exactly what the policy will pay when the time comes , then a whole life policy makes more sense . There are times when a combination of the two work best . The best thing I can suggest is that you contact an agent , and have them walk through your needs with you , and help you find what is best for you . Thank you for asking ! 