Every life insurance customer has different needs, and your policy should reflect that. If you are elderly and have adult children, a term policy might be ideal. If you are young, with school-aged kids or toddlers, you may find that a permanent plan is better.
Life insurance is in place to help your loved ones through a trying time. When the dynamics of your loved ones change, such as the case when a new baby is born, you need a policy that will handle those changes. You’ll need to think in terms of the overall amount you need as well as the amount that will have to go toward taxes.
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