This is a common question. You may find insurance that is cheaper… sort of. If you buy a TERM life insurance, you will pay less. BUT you have to die in the correct way, and in the correct window of time. For example, some TERM policies only cover you for 10 years. If you don’t die in that 10-year window, tough luck, you lose everything and have to start over. Other policies cover you to a certain age (75 or 80). Not only do they kick you out at age 80, but they will have raised your rates every 5 years, usually 50% each time. So, there are programs that trick people into a lower price, but very quickly raise rates, and eventually kick you out. Don’t be fooled. If it sounds too good to be true, it probably is.