<h1>How to Choose Term Life Insurance: Use Online Calculators, Assess Needs, Compare Plans, Buy Early for Lower Premiums</h1> A press release advises consumers on selecting term life insurance using online calculators to estimate required cover and premiums by inputting age, income, expenses, loans and desired term. It emphasizes that term insurance is protection, not an investment, and outlines practical steps: assess family needs, use a calculator, compare plans and insurers with strong claim records, consider limited optional riders (accidental death, waiver of premium, critical illness), apply (sometimes without medicals) and review coverage periodically. The release urges buying earlier to lower premiums, choosing affordable covers, and notes the publishing arrangement includes a disclaimer of editorial responsibility.