Is Term Life Insurance The Most Expensive? 
Whoo boy ... Not to slight anyone here , but the answer to your question , in my opinion is YES ! Term IS the most expensive life insurance . First it is only insurance if you die too soon . There is no other benefit to term insurance . And it 's for a limited term . If you look ONLY at the premium payment and compare a 10 year term policy to a Whole Life policy for the same person / age / health , then the term premium will be much less . However if you have 2 identical people age / health / etc and start a 10 year Term for $ 100K on one and a Whole Life for $ 100K for the other , in the 11th year the Whole Life premium will still be what it was at the beginning and there will be liquid Cash Value available in the policy . If the Term policy is renewed in the 11th year the premium will likely be equal to or greater than the premium for the Whole Life . And each year it will increase dramatically while the Whole Life premium remains the same as always and the Cash Value continues to grow ! So which one would you say is more expensive ? 