Term insurance is a type of life insurance that is more affordable because it only covers you for a specific period. You can select from different term lengths, like 10, 15, 20, or 30 years. 

    Term insurance is like renting insurance with no cash value, designed to protect you for the chosen term. These policies are cost-effective, adaptable, and serve the purpose of providing protection. 

    Most term insurance plans allow you to renew up to age 80 without any complications, and the renewal rate is predetermined. However, rates go up with each renewal. 

    You also have the option to convert it to a permanent plan, with the new premium based on your age and the plan you choose. No health questions are required. 

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