Just like most types of insurance, term insurance is something you pay for that you hope to not use, but will be relieved to have planned ahead for if the circumstance arises. (quotacy.com)
As with most types of insurance coverage, everything comes down to your risk. (trustedchoice.com)
While there's little reason for you to bother, you could manually calculate the rates for most types of insurance. (effectivecoverage.com)