Which policy pages matter most when reviewing term versus permanent life insurance?

Term life is generally used for temporary protection at a lower initial cost, while permanent life is designed to remain in force for life and may accumulate cash value. Different goals can call for term coverage, permanent coverage, or a combination. For a coverage review, insurance is most useful for risks the household cannot comfortably absorb from savings, not simply because a product is available. Use the insurer's contract and current illustration or benefit summary as the primary documents, and have a licensed professional explain in writing any guarantee, exclusion, surrender restriction, or beneficiary provision that matters.