Your budget, your health, and your plans for the future determine which option is right for you.
First, ask yourself if you want an option that simply protects the family if you were to pass away. If so, ValoraLife Term might be right for you.
You also have the option for a policy that insures your life and also returns everything you paid in premiums if you live through the end of the term.* This option costs more per month, but a return of your premiums could potentially launch a new stage of your life. You may have plans to start your own business or want to increase the comfort of your retirement. In this case, consider that ValoraLife Term Plus might be right for you.
*Less policy fees, any Policy Debt, and substandard premiums (if applicable).