No. of Recommendations: 0
Term insurance can be a nice subject to consider. But as you get older, premiums will rise. They can become unaffordable. Secondly, under a variety of circumstances you can become uninsurable--unless you buy guaranteed insurability.

The bottom line is making the right decision is easy if you know exactly how long you and spouse will live. The unknown and the unexpected can make making good decisions difficult.

Good luck.
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