Term life insurance offers peace of mind for a fixed period, whether 10, 20, or 30 years. It’s designed to provide a financial safety net for your loved ones in the event of your death during the policy term. But what happens if you live beyond the expiration date of your coverage? For many, the end of a term life insurance policy is a time of uncertainty, especially if there are still financial obligations or dependents to consider. The good news is that outliving your policy doesn’t have to leave you unprotected. There are practical and effective options to consider for continued life insurance coverage or financial planning.

When it comes to life insurance, the choices can feel overwhelming. You’ve probably come across two of the most common options: term life insurance and whole life insurance. But what’s the real difference, and how do you decide which one is right for you? Don’t worry—we’re here to break it down for you in simple, everyday terms so you can make an informed decision that fits your needs.