Term insurance is appropriate for someone who:

Term insurance is designed to provide temporary protection for a specified period, such as 10, 20, or 30 years, and it is typically less expensive than permanent life insurance options. This makes it suitable for individuals who need coverage for a specific timeframe, such as those who are looking to ensure their dependents are financially protected during critical years, like while children are growing up or until a mortgage is paid off.

The appeal of term insurance lies in its lower premiums compared to permanent policies, which often build cash value and come with higher costs. Consequently, individuals looking for affordable coverage during a particular life stage, without the added complexity of cash value accumulation or lifelong commitments, will find term insurance to be an appropriate choice.

The other options focus on features that are characteristic of permanent insurance products rather than term insurance, which reinforces why the selection of temporary protection with lower premiums is the most fitting answer.