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Originally Posted by disneysteve
Repeat this over and over and over!
You buy insurance to protect your assets. You buy investments to grow your money. They are two separate things.
For the vast majority of people, what is needed is term life insurance. It is cheap and allows you to get maximum coverage for the minimum price.
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Add to this term insurance is cheap, and covers you for a given term (amount of time). If you die the day after the term (contract) expires, your beneficiaries collect nothing.
Life insurance is a contract, depending on various rules, the contract can (and will in case of term, will) expire.
You need to decide what you need going in, or a salesperson might tell you what you need without knowing it. If you don't know what you need, ask questions on forums like this...