No matter how you put it - we are all mortal. Our lives end at some point in time. Life insurance is a necessary evil that we all have to deal with. Our families are going to need that money to take care of our bodies if nothing else. But life insurance doesn't have to be something for after our deaths. My husband has a life insurance policy that he can borrow on. It has come very handy through the years when we needed the extra cash. When he pays it back it is the same as paying himself back, it is still his money. That same policy also had a disability clause that is now in affect. The clause stated if the insured ever became disabled then the life insurance company would pay the premiums for as long as the insured is disabled. My husband became permanently disabled 4 years ago, 15 years after he took out the life insurance policy. That policy was the best investment we ever had.
There are many different types of life insurance policies and here is a website to help you check prices, types of polices, and get a quote.
Advantage Term Life
Always remember to shop around for the best prices and coverage. I personally would stay away from accidental death insurance since most people do not die because of an accident.
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