What To Look For In A Term Life Insurance Policy? 
The most important thing to look for in a term policy is convertability . Convertability is the ability to go to a permanent policy without having to proove `` insurability '' from the term policy company . Why is this so important ? Term is for a temporary need . Term covers a piece of time and what happens inside that period of time . If you live past that period of time , and still need insurance you will be faced with a great increased cost that will rise every year there after , so conversion gives you the opportunity to continue you coverage at a rate class you may never qualify again for . 