October 6, 2006 5:24 PM
Buy Term Life Insurance And Invest The Difference?
To me, insurance is insurance and investment is investment, so to by term life insurance and investment and invest the different is always the right choice.
From New York Life:
It's been debated for generations. Term life insurance versus permanent life insurance? Which one is "better"? In recent years a new concept has crept into the debate: rather than choosing a permanent life insurance policy, you purchase a lower cost term insurance plan and invest the difference, usually in mutual funds. This approach may be well suited for some people, but for others it may not make sound financial sense. You'll want to make an informed decision, so it's best to discuss your needs and your options with an insurance professional. Before you make up your mind, you'll want to consider the following questions:
Which Type of Life Insurance is Best for You?
How Long Do You Need Life Insurance Coverage?
Do You Prefer Renting or Owning?
Invest the Difference in What?
Will You Be Able to Invest Regularly?
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