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Life Insurance Guide

Term vs. whole life: what's right for you?

The two main types of life insurance

Life insurance broadly falls into two categories — term and permanent. Most financial advisors recommend starting with term, then evaluating permanent coverage as your needs evolve:

Term life: Pure death benefit protection for a fixed period (10, 20, or 30 years). Lowest cost per dollar of coverage. Ideal for income replacement during working years or covering a mortgage.
Whole life: Permanent coverage that builds cash value over time. Higher premiums but guaranteed coverage for life. Useful for estate planning and as a tax-advantaged savings vehicle.
Universal life: Flexible premiums and death benefit with cash value component. More adjustable than whole life, but requires active management.

How much coverage do you need?

A common rule of thumb: 10–12x your annual income. For more precision, add up income replacement (years until retirement), outstanding debts (mortgage, student loans), future obligations (children's education), and subtract existing assets. Most Americans are significantly underinsured.

The best time to buy is now — premiums increase with age and health changes. A healthy 30-year-old can get $500,000 of term coverage for around $20–25/month.

Advertiser Disclosure: YellowBus is a free comparison service. We may receive compensation when you connect with insurance carriers or agents through this site. This compensation may influence which products are featured but does not affect our commitment to providing accurate information. YellowBus is not an insurance provider; we connect consumers with licensed insurance partners. Coverage availability and rates vary by location.