In plain terms, "term" covers you for a set number of years, and "permanent" is built to stay in force for life — that's the basic difference people are asking about. Which one fits depends entirely on your situation, your family, and your goals, and that's a conversation, not a one-size answer.
The Simpler Idea First
Term is coverage for a window of time — say while the kids are home, or while the note on the place is being paid down. When the window closes, the coverage does.
That's it. The simplicity is the point, and for a lot of situations the simple idea is the right one.
Permanent Is a Different Structure
Permanent coverage is designed to stay in force for life and works differently in how it's built and paid for. It's a different tool aimed at different situations.
People hear a lot of strong opinions online about which is "better." The honest answer is that it depends on what you're protecting and why. There's no universal right pick, and anybody telling you otherwise doesn't know your situation.
No Rates, No Products, On Purpose
You won't find figures, product names or recommendations on this page, and that's deliberate. Pricing depends on your health, your age and your circumstances, and a number here would mislead more people than it helped.
That's what a sit-down is for — alongside your CPA, since how any of it is treated can matter.
Want a Straight Answer for Your Own Situation?
Thirty minutes, no pitch, no obligation — just a plain look at where you stand.