Life insurance may be one of the most important financial instruments many of us will ever own, and buying the right kind of life insurance is one of the best ways to protect your family’s future.

• The purpose of life insurance should be to protect the family against the premature death of the breadwinner or caretaker.
• You’re paying for a substitute of income or to replace the caretaker’s responsibilities.
• The people that primarily need it are those who have others depending on them for support, not necessarily financial.

Primerica offers term life insurance, 100% of the time. Term insurance offers pure death protection. Life insurance is not a permanent need that every family has. Many experts see it as a way to simply “buy time” until you accumulate savings, not as a permanent fixture in your financial program.