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That's horrible that you were <a href="http://mgvqfneb.com">milsed</a> about the cash value and what life insurance main purpose is suppose to be. Well, you already know that cash value doesn't pay out to the beneficiary when the insured dies. Life insurance main purpose is to protect your income in case you die, not as a way to build savings.Therefore I own term insurance. To be more specific, I own 30 year term with $500,000 coverage. It used to be $150,000, then my financial obligations increased. It only cost me $60/month. If this was a whole life policy, I wouldn't be able to afford $500,000 coverage. It will cost me about $330/month. Right now, there are people dependant on my income, so I need lots of income protection. In case I die over the next 30 years, my family will be able to maintain the same life style for a long time. Not only that, the company I have life insurance with will show my family how to invest the death benefit that can generate monthly income for the family. It is as if I'm still bringing income to the family when I'm dead.At the same time I own term, I also contribute $100/month into my Roth IRA. If my portfolio continues to earn an average rate of return of 10% (currently its earning 11.1% in the past 5 years), in 30 years I can have approximately: $227,932. In 40 years, it can grow to: $637,678.Now I sell term insurance and investments to all my clients.

I have a question rvletiae to Chapter 8: Mortaliy Risk and Life Insurance. On page 178 there is a discussion on how health status impacts life insurance premiums. The example is a 50 year old man, whose monthly premiums are shown in Table 8.7 . I would have expected the premiums in this table to be in agreement with the insurance premiums for a 50 year old that are in Table 8.6 (for 30, 40 and 50 years olds). Instead I discovered that the Table 8.7 premiums correspond to the Table 8.6 premiums for 40 year olds! So I'm assumning that the discussion on page 178 really applies to a 40 year old Canadian male (but I'd like you to confirm that!)I'm REALLY enjoying the book so far. I've learned a lot!

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