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Money and Finances
Reply to "Term Life Insurance vs. Convertible Term Life Insurance"
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[quote=Anonymous][quote=Anonymous]Your insurance needs will probably be subject to two trends over the next 30 years: Your need will slowly rise, because your income and expenses are rising. The counter-trend, is that it will also decline slowly as you save for retirement, and in bigger chunks as you pay for your children's education, until it goes to near zero at retirement.[/quote] I am the PP who wrote this. Obviously, your needs will also rise sharply from their present level once you have children, but since you are planning ahead, I assumed you're starting from the assumption that you are buying policies as if you are already a parent (smart!). Also, since you just bought a house, you are about to get inundated with offers for "mortgage protection" life insurance policies. Don't even bother opening the envelopes.[/quote]
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