Maybe you need to make sure your spouse will be able to pay the mortgage or the day-to-day bills if you’re no longer around. No matter what your needs are, the right kind of life insurance should be simple and affordable.

There are two main types of life insurance, term life and whole of life insurance. If you’re looking for simple life insurance to protect your family without an investment option, stick with term life insurance. If you’re looking to receive a cash value and want a lifetime solution, whole of life will suit you.