Term insurance vs. whole life insurance: What’s worth it?

If you just want solid protection for your family without spending much, term insurance is the way to go.
But if you’re thinking long-term, building value and staying covered for life, whole life insurance might be worth the extra cost.

For most people, term insurance makes sense. it’s simple and affordable, especially if your goal is protecting your family for a set period. Whole life can work if you want lifelong coverage plus a savings component, but it’s usually more expensive. I’d focus on your needs, budget, and long-term goals first.