Term life insurance is an essential addition to any agent’s portfolio due to its affordability and broad appeal. It helps agents address the financial protection needs of young families, homeowners with mortgages, and those seeking to cover short-term liabilities. It can also protect insurability in the event a client develops an illness that would later make them ineligible for coverage or increase their coverage costs. Offering term life insurance enables agents to build trust and meet diverse client needs, creating opportunities for cross-selling additional insurance products and fostering long-term client relationships.