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Term life vs whole life insurance…

Term cover protects you for a stated period; lifetime cover is designed to remain in force for life if its conditions and premiums are met. The right choice depends on how long the obligation lasts and what you can sustain.

What to check

Match temporary needs such as a loan or children’s school years with the policy term. For lifelong needs, examine premium duration, cash value, surrender terms and maximum cover age.

What could change the answer

Product labels are not enough: some lifetime or savings-linked plans have different guarantees and charges. Read the benefit illustration and policy schedule.

A practical next step

Write down the obligation, the amount and the end date. Use those three facts to shortlist cover before discussing product names.

Reviewed 2026-09-09