Why Is Term Life Insurance Recommended? 
Term life insurance is recommended because its the cheapest coverage for indemnifying economic loss to your beneficiaries . Depending upon your age , you can secure up to 30 years of guaranteed coverage and if you purchase a term life insurance policy with a conversion provision , you can have the option of extended your coverage with permanent life insurance without medical evidence . Now should term life insurance be recommended ? If your financial liability is temporary , then perhaps you should but term , but buy it with a conversion provision because lifedoes n'tremain the same . Liabilities change , so keep your options open . 