Why Is Term Life Insurance Often The Best Value? 
I am not sure that anyone could say that term life insurance is often the best value without knowing a person 's exact situation . Term life insurance is the most affordable compared to permanent or cash value insurance , but it may not be the best value . If you purchase a 20 year term policy at age 30 and have a heart condition at age 48 and lose insurability , it will be very difficult to obtain any type of life insurance after age 50 when the term expires . There are many arguments to be made with the different types of life insurance plans . The one that is best for your unique situation and laid out by a caring knowledgeable advisor is the best value for you specifically . 