Is Whole Life Insurance For Me? 
When people that you love will suffer when you die , you need life insurance . If that need will remain for many years , perhaps even until the day that you die , you need permanent insurance . The most popular form of permanent insurance is whole life insurance . It provides that the company will pay fixed amount when you die , regardless of when that occurs . In exchange you are required to pay a premium that is also fixed and does not change even as you grow older and the risk of death increases dramatically . There are alternative forms of permanent insurance in which you give up guarantees for flexibility . 