Term life insurance gives protection for a specified period of time. It’s usually less expensive than permanent (AKA whole life) insurance and is available in varying time periods with fixed premiums from a one-year (annual renewable term) up to a 20-year (level term) period. In some cases, term life insurance can be convertible to permanent coverage, giving you flexibility as your needs change.  If you don’t have life insurance yet, term can be a good place to start to make sure you and your loved ones are protected. Insurance Ruff LLC is also a Life Insurance Broker and can shop the best policies for you!