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Money and Finances
Reply to "Term Life Insurance vs. Convertible Term Life Insurance"
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[quote=Anonymous]We decided first the amount of insurance we needed and the amount we would be willing to pay. Then we made a combination of Term and Universal to be within the amount we were willing to pay but meeting the amount of insurance we needed. We have a larger amount of term and a smaller amount of Universal. The ratio ends of being roughly 70% term/ 30% universal. Its not the best plan we have seen, but it fits our budget right now. No one has died yet, but it really has worked well for us. We have plenty of coverage for what we would need now if something happened but we are not breaking the bank monthly. Plus we know that we have some that will be around even after those big finances (kids, colleges, house, etc) are over. Best of both worlds.[/quote]
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