You hear a lot on TV and the radio debating the merits of term insurance versus the merits of permanent life insurance policies, including whole life and universal life insurance. 

Anyone who advocates 100% for or against any kind of life insurance structure is missing the point: The best kind of insurance to own is the kind that is in place when the insured dies.

And here’s the corollary to that law: The best amount of life insurance to buy is the amount you can easily afford. There is definitely a place for term insurance, and definitely a place for permanent insurance. The most

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