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Non-Cattle Specific Topics
Every Thing Else Board
term or whole life insurance
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<blockquote data-quote="J&amp;amp;D Cattle" data-source="post: 1189410" data-attributes="member: 18854"><p>Depends? I would look at a company's AM Best rating for certain and then do a little research on the web to see if there are any consistant grumblings. Term is way cheaper and great to protect you for a certain period or obligation like a mortgage. Whole life can be used as more of a savings type vehicle but in my opinion there are far better savings vehicles out there. I personally have a bunch of term that will pay off my debt, pay for the kids education, and leave my wife with a bit left over. I also have a smaller whole life policy that will pay for my burial and final expenses. I'll keep the whole life policy funded until the end but will let the term run out once I'd debt free and kids are grown.</p></blockquote><p></p>
[QUOTE="J&D Cattle, post: 1189410, member: 18854"] Depends? I would look at a company's AM Best rating for certain and then do a little research on the web to see if there are any consistant grumblings. Term is way cheaper and great to protect you for a certain period or obligation like a mortgage. Whole life can be used as more of a savings type vehicle but in my opinion there are far better savings vehicles out there. I personally have a bunch of term that will pay off my debt, pay for the kids education, and leave my wife with a bit left over. I also have a smaller whole life policy that will pay for my burial and final expenses. I'll keep the whole life policy funded until the end but will let the term run out once I'd debt free and kids are grown. [/QUOTE]
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