Term vs. Whole Life Insurance: Which One Wins the Death Match?

Term Life vs. Whole Life. Batman vs. Iron Man. Rental vs. Ownership. Let’s settle this.

If you’ve ever googled “which life insurance is better?” and instantly regretted it, you’re not alone. Here’s the honest, no-fluff breakdown of both options, from a company that literally put "death" in its name.

1. Term Life: The Budget Assassin

• Coverage lasts 10–30 years

• Cheapest option

• If you die during the term: payout

• If you outlive it: no payout
  

It’s like renting a really powerful safety net. Great for young families, mortgages, and people who don’t plan to die immediately.

2. Whole Life: The Rich Aunt Energy

• Covers you until death — no expiry

• Builds cash value over time

• More expensive, but permanent
  

This one’s for people who want to leave a legacy, build wealth, and flex a little in the afterlife.

3. So... Which One Wins?

If you want affordable protection now: Term Life If you want coverage forever + a savings component: Whole Life If you want to be smart: Maybe both? (We do that.)

4. Bonus Round: Why Most People Start With Term

You’re not made of money (yet). Term gives you high coverage for a low cost while you build your empire (or pay daycare). Later, you can layer in Whole Life for tax planning, retirement, or legacy-building.

5. Our Take

We don’t push one over the other. We show you both — then help you figure out what actually fits your life (and death).

Take the quiz. See your options. No pressure. No sales guy named Chad.