How do I compare two proposals for term versus permanent life insurance without relying on illustrations?

Term insurance generally emphasizes affordable death benefit protection for a limited period, whereas permanent insurance combines lifelong coverage with the possibility of cash value growth. The purpose of term coverage is different from the purpose of permanent coverage. Compare the coverage need and the contract terms before comparing price, because a cheaper policy that solves a different problem is not necessarily better. Work from the written contract and a current illustration or benefit summary, and have a licensed professional explain in writing any guarantee, exclusion, surrender restriction, or beneficiary provision that matters.