What Does Life Insurance Do For Me? 
Wow . Where should I start ? Well let 's first look at the two major choices . Term or Whole Life . With term , you are basically renting insurance . You have a death benefit during the term of your policy , so long as you pay . You are gambling whether you will die during that period . If you are lucky to live longer , they you get nothing . Not the best of deals that way , but it does give initially cheap protection for a growing family . With Whole Life Insurance , however , you are getting a lifetime financial tool . Whole Life keeps growing and increasing in value and in death benefit . While you are living , you can use Whole Life to take money out and pay for college , pay towards a new home or even a new car , or any emergency . You do not have to cancel Whole Life , you can simply take some money out of it , while continuing to allow it to grow , as though the funds were still in the Whole Life Policy . The premium will NEVER change , although you death benefit can growth an enormous amount . Your family is protect , and you never have to worry about being without life insurance with Whole Life . Gary Lane , Registered Representative , New York Life , 949 797 2424 . Thank you . 