Years ago an old aunt came to me and told me that she had a couple of old life insurance policies
that she had not paid premiums on for more than 10 years.
She thought the policies must have lapsed. I took her into an agency office of the company and met with an agent.
After a few telephone calls he came back with the verdict. Not only were both these old policies still in force, but they had cash values in excess of $3,000 They were whole life policies.
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Since term life insurance cost so little it could be the perfect policy for today. I believe that everyone needs some life insurance at some time during their lifetime.
The raging fires of the debate as to whether term life insurance is superior to permanent life insurance have cooled somewhat even though some so called experts hold fast to their beliefs.
Term life insurance is life insurance in it's simplest form. These policies stay in force for a specific number of years, for example, 5 years 10 years etc.