What Life Insurance Is Best? 
What do you want it for and what to protect ? Is it for a temporary need , like until the mortgage is paid off , or the kids through school ? Or for your spouse at your death ? Term insurance can be bought for twenty or even thirty years , it is fairly low cost , but when its gone its gone . Permanent life will last to your death , and the premiums will not go up , it accumulates cash value , and can be borrowed against . If you stop paying for your term , it will be gone in 30 days , but with permanent , if you miss a payment , it can be paid from your accumulated value . Permanent can be either whole life or universal life . Universal can be tied to some stock index , and go up a bit more than whole , but may also drop to a certain point . How much risk do you want ? Your decision . Of course with indexed universal , there are some protections at the bottom end , which cost you some of the top end performance . Thank you . GARY LANE . 