Guide
Term vs. permanent life insurance
What each kind is for, what it costs, and why most families start with term.
Term life delivers a death benefit during a fixed period—10, 15, 20, 25, or 30 years—then expires.
Permanent life (whole life, universal life, and variants) is designed to last your whole life, with a cash value component.
How to choose
Begin with the need. If your need ends at a certain date—mortgage paid off, kids independent, business debt cleared—pick a term that aligns with that timeline.
What people in Dinuba often do
Many households use a 20- or 30-year term sized to cover the period when a loss of income would hurt most.