There are two kinds of life insurance coverage—temporary and permanent. They offer different features to meet different needs, as shown in the chart below. Temporary coverage may be all you ever need, or it may be an interim step before you purchase permanent coverage. The best solution for you might be a combination of temporary and permanent coverage in the same policy.
Ultimately, the kind of insurance you choose depends on your individual situation today, and what will be important to you in the future. A review of your needs and goals will help you determine which product is best for you.