<h1>Term Insurance: Protecting Income and Family Financial Security During Peak Earning Years and Changing Life Stages</h1> Term insurance serves as a financial safety net primarily during active earning years, typically between ages 25 and 70. Its core purpose is income replacement for dependents, covering expenses like loans and living costs. As liabilities decrease and retirement approaches, the need for term insurance diminishes. Individual circumstances vary, so policy duration should align with personal financial responsibilities rather than following a universal standard. The trend is shifting towards more targeted, life-stage appropriate insurance planning.