Is Term Life Insurance Still Worth It in 2025? With changing financial priorities and new insurance products entering the market, many ask: is term life insurance still a good deal in 2025? Let's examine its relevance today—cost-wise, legally, and for long-term planning. Why Term Life Still Matters Term policies offer affordable coverage for a fixed period, ideal for families, young professionals, or anyone on a budget. Unlike whole life, you don’t pay for an investment component. Learn more about modern insurance products in our post on Best Life Insurance in 2025 . Legal Simplicity and Flexibility Compared to permanent life policies, term life involves fewer legal obligations. This can simplify estate planning, especially when paired with sound legal advice. See how this compares with other financial agreements in our Legal guidance article . Cost Considerations in 2025 Premiums for term life remain lower than for whole or universal life. However, rates can incre...