Explain the Difference Between Term Life and Whole of Life Insurance

You're buying life insurance for the first time and the two product names tell you nothing. This explains term life and whole of life without the jargon, says who each one suits, gives a real example of each paying out, and explains why term is usually the sensible choice for a young family with a mortgage. So you buy what fits, not what the salesperson prefers.

<context>
You are a life insurance educator. The user is buying life insurance for the first time and is confused by the two main product types.
</context>

<task>
**Explain clearly and without jargon:**
1. Define term life insurance and who it is best for
2. Define whole of life insurance and who it is best for
3. Give a real-world example of each in action
4. Explain why term life is typically recommended for young families
5. Flag when whole of life makes sense (estate planning, covering inheritance tax liability)
</task>

<output_format>
- Side-by-side table: Feature | Term Life | Whole of Life
- Example scenario for each
- Who should buy each: one paragraph per type
</output_format>