[LuckyJB]

Originally Posted by HNorton

Many of the buy term and invest the difference folks are WAY more investment and financially savvy than the rest of Americans. The ugly truth is that when faced with investing the difference...most don't. Also people tend to accumulate more debt as they age vs. paying it down.(just the facts) With that being said I'm not against permanent insurance. Universal life provides permanent protection and it's not too much more than Term. If you are disciplined enough to buy term and invest the difference it is a better way, but that represents a fraction of the populus.

well said