Term life is usually the least expensive type of insurance. It is an affordable option. You are only paying for the cost of insurance associated with the death benefit and not building cash value.
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Term life insurance covers you for a specified term (from 5 to 30 years, in most cases). If you die within the term, your beneficiary receives the stated death benefit of the policy. For example, say you purchased a $250,000 term life policy for a 20-year period. Whether you die in year two or year nineteen, your beneficiary receives the same amount (i.e., $250,000).
If you pass away within the term period, a death benefit is paid to your beneficiary. If you are still living at the end of the term, protection ceases unless the policy is renewed. There is no "accumulation" element, or cash value with term insurance. Some term insurance policies do offer a return of premiums.