What Life Insurance Policy Should I Get? 
The first step is to define the purpose of the insurance . What are you protecting ? if it is income , how much would your family need to replace your lost income , provide for education , retirement and other major expenditures ? Some needs may be finite and others may be lifelong . Term life insurance is ideal to meet temporary needs while permanent -LRB- cash value -RRB- life insurance is best for lifetime needs . It is not unusual to have a combination of products to meet a combination of needs . 