Whether term life or whole life insurance is better has been an ongoing debate for over 5 years now.I'm here to set the record straight.The type of policy that you purchase should not be purchased because it is term insurance or whole life insurance,it should be purchased to cover your needs.The only way an insurance professional can tell you your exact needs is if they do a full prospectus for you.If you come a cross an agent or broker that insist on a certain type of insurance policy,run the other way!!

A true insurance professional is going to take their time to design a plan for you that covers your goals,whether term or whole life.Whole life insurance is like owning a house.Term insurance is like renting an apartment,which do you prefer?When purchasing a policy make sure that your agent covers these questions:

-Assets,goals,mortgage,debt,liquid cash,health issues,college,retirement,investments etc.

AND IF THEY DON'T,CALL SOMEONE ELSE!!......................WHAT DO YOU THINK?