09/27/2026
Term or Permanent Insurance: Which Is Better?
Honest answer: most families end up needing a bit of both.
Term insurance is cheap coverage for a set number of years. Good fit if you've got:
• A mortgage
• Young kids
• A family relying on one income
• A stay-at-home spouse
Your price is locked in for that term. Renew after it ends, and the price jumps.
Permanent insurance is for things that never really go away. Set up right, your price is based on your age and health when you buy it, and it stays locked in for life.
Good fit for:
• Final expenses
• Estate taxes
• Leaving something for your kids or grandkids
• A charity that matters to you
Term covers the stuff that ends. Permanent covers the stuff that doesn't.
The real question isn't which one's better. It's what your family actually needs covered, and for how long.
We can help you with this important decision, just reach out.