Term insurance is appropriate for someone who seeks which of the following?

Term insurance is designed primarily for individuals seeking temporary protection at a lower cost compared to other life insurance products. It provides coverage for a specified period, such as 10, 20, or 30 years, and is particularly advantageous for those who want affordable premiums while ensuring financial security for their beneficiaries in case of their untimely death during the term of the policy.

The lower premiums associated with term insurance make it an attractive option for people who may have budget constraints but still want to secure a certain level of life coverage. This type of insurance is ideal for young families, individuals who have dependents, or anyone looking to cover specific needs, such as paying off a mortgage or ensuring children's education, for a limited duration.

In contrast, other options like permanent insurance products typically focus on lifetime coverage and build cash value over time, which is not the primary feature of term insurance. Thus, choosing term insurance aligns perfectly with the goal of obtaining temporary protection with lower premium expenses.