Back to Video Library
Life Insurance 13:02
Term vs. Whole Life Insurance: The Honest Comparison
Cut through the noise: when term life wins, when permanent life makes sense, and how to calculate how much coverage your family actually needs.
Key Takeaways
- Term life is pure protection — lower premiums, fixed death benefit, no cash value.
- Whole life builds cash value you can borrow against, but premiums are 5–15x higher.
- Most financial advisors recommend term life for income replacement during working years.
- A 20-year, $500,000 term policy for a healthy 35-year-old costs roughly $25–35/month.
Term LifeWhole LifeLife InsuranceCoverage Amount
Have questions after watching?
Our licensed Florida agents can walk you through your specific situation — free, no obligation.
Related Guides
Know Your Protection Score
Take the free 8-step JustShield™ assessment to see exactly where your coverage stands.
Take Free Assessment