What Does A Term Life Insurance Mean? 
Term life insurance tends to expire before the insured does . Term is best for temporary needs . We always encourage clients to consider permanent -LRB- cash value -RRB- life insurance for needs that may last longer than 10-30 years . Keep in mind the risk of buying the wrong product . If the term policy will or may run out when needed the most , you have lost one of the essential benefits of buying life insurance , peace of mind . A life insurance professional can help with assessing needs and matching them up with the right solutions . 