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If you pass away before your time, will you be leaving a spouse to pay the mortgage?

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20 Year Term Life Insurance Policy - Life Insurance Tries to Lighten Up - The New York Times. The type of life insurance you buy is a big decision, and there are a couple of different kinds from which to choose. Life insurance companies are competitive and can be intimidating to new clients. You can choose from several types of life insurance. Having the right life insurance policy can go a long way to giving you the comfort of knowing that your loved ones will be cared for if the unthinkable happens. Do your homework and check out these 10 great life insurance options.