What unique factors should people consider when buying term life insurance?

Like other life insurance products, modern term life insurance comes with various add-ons (riders) that provide additional coverage under specific circumstances. Go through those riders to see whether some of them might be particularly relevant to you. Although relatively rare, make sure to check the exclusions and limitations of the policy to see what is not covered. For example, most life insurance policies contain a suicidal clause that prevents death benefit payments if the cause of death is a suicide, typically for the first two years when the policy commences.