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There are many folks who simply believe that purchasing a life insurance policy for the children is morbid and plain wrong. The thing is though, term life insurance is just not about getting rich off someone’s death. Of course you will not desire to benefit financially in the death of your child. However, funeral pricing is extremely expensive. The average family simply does not have enough cash in the back to pay these expenses in the event something were to get it wrong.
Finally, an Agent convinced him to purchase all the permanent coverage as they can afford, which when he was 68 (despite being healthy) was $20, was uninsurable with coronary disease. Three years later (1994), he was clinically determined to have a brain tumor and perished. That term life insurance was all the money the widow had, because there was no retirement, no pension, no savings.
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From the viewpoint from the investor, a life insurance policy or contract offers appreciation of asset value and protection of assets. Unlike other plans that offer asset appreciation benefits only, a life insurance benefit includes the feature of asset protection together with appreciation of assets. This is a crucial benefit of an existence policy that you should keep in mind.
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