| Term Life Insurance | Whole Life Insurance | |
| What is it? | “Renting” your coverage | “Owning” your coverage |
| Length | 10,15,20,25 or 30-year term | Your whole life |
| Affordability | Plans start at less than $20/month | More expensive |
| Cash Value | No | Yes |
| Payment Flexibility | None. If you miss a payment, your policy will terminate. | More flexibility given the cash value component of your policy. |
| Return of Premium Rider | Yes, an option | No, not an option |
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