How long does this need last?
A need that ends — a loan, dependent children — calls for term. A need that does not end — tax at death, settlement costs — calls for permanent. The answer determines the product, not the other way around.
What happens at the end of the term?
Ask for the renewal rate and the conversion age limit. A renewable term policy continues at your attained age, often far more expensive; an expired conversion right is worth nothing.
What is not covered?
Have the exclusions, the suicide clause, and the contestability period named. Those are the only parts of the contract that matter when a claim is made.
And a fourth, for you
Did I answer the medical questionnaire accurately? That is the question that decides whether the contract will work. A good-faith omission is enough to open a contestation.
No rate, price, or recommendation on this page. Amounts and limits change: verify them with official sources before deciding.