Which Type Of Life Insurance Is Best? 
The best life insurance is that which is in force at the death of the life insured . The issue is that term life insurance usually expires before the insured does . So , permanent forms of life insurance are preferred . In general , consider whether your protection needs are temporary or indefinite . Temporary or finite needs of less than 30 years can be met by term life insurance for periods such as 10 , 15 , 20 or 30 years . The coverage is surprisingly affordable -LRB- dollars per day -RRB- . When the policy expires , coverage ends . To prevent that , either consider permanent -LRB- cash value -RRB- life insurance now or in the near future to ensure you do not outlive your life insurance . Meet with a life insurance professional who can analyze your situation and recommend exactly what you need . 