If you would prefer a permanent life insurance policy but can only afford term insurance

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 buy a convertible policy. At any point during your term policy, you can choose to convert to permanent life insurance. This helps keep rates lower when you are younger, and as you advance in your career your budget might have more room for permanent coverage. You will not have to take any medical exam to convert, which is important if you have developed any health conditions.

When dealing with any type of insurance, it's good to do research and gain knowledge on the topic, to have a basic idea of what you are dealing with, but you should also speak with a professional about your options. This can help you make a better decision about the coverage you need since they can give you answers to your questions, or even help make some changes to your chosen policy.

You will want to find a life insurance company that cares. There are some life insurance companies that will offer competitive rates for some medical conditions (diabetes, heart disease and cancer). These companies are much more family friendly and don't just put everyone in a group. Their charge is based off of what you really need.