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It can get a little confusing trying to figure out what kind of life insurance is right for you to buy.

There are lots of different kinds of life insurance, such as term life insurance, universal life insurance, whole life insurance, even a term life product called return of premium term life insurance. So it can get a little confusing trying to figure out what kind of life insurance is right for you to buy.

A simple way to cut through the confusion is to start at the end - that is, consider what you need a life insurance policy to do for you. For example, if you're a single parent with young children, you'll want to make sure your children will have some financial support if something happens and you can't be there for them. At the same time, you might not be in a financial situation where you can afford the large monthly premiums that some kinds of life insurance demand. So, your life insurance needs could be summed up this way:

• Adequate financial coverage to support your children until they're old enough to support themselves
• Low monthly payments
• No need for a life insurance policy with cash value

That's pretty straightforward, so the next step is to look at the options that meet your needs.

Term life insurance policies can be purchased at a fixed cost for a specific term, like 10 or 20 years, until the kids are old enough to support themselves. After that, you stop making payments and let the policy expire. The monthly payments for term life policies are typically much lower than whole life and other types of life insurance policies, because term life policies do not have a cash value.

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