Recently I was able to take a quick look at a term life insurance quote and was shocked that it was affordable. Unlike life insurance, term life insurance is much cheaper. So if you can’t afford life insurance at the moment then term life insurance is good enough to help your family financially in case something happens to the breadwinner. Term life insurance is ideal for the breadwinner so his/her family can cope financially if the breadwinner suddenly dies. If you have a high risk job like that of a fireman where your life is constantly in danger then you should never think twice about getting term life insurance.