Last week my wife, Shelia, and I came to the realization that the degree of pain you feel when someone dies is directly proportional to how good that person was. Last week, we learned that Mike, a really good person, had suffered a heart attack and died. And we really feel the pain of his death.
Thanks to my Dad, I’ve long prided myself on being tuned into all things financial. He was a great stock picker and real estate investor and I’d like to think a tiny bit of that rubbed off. But when it came to life insurance, I did what most people do: buy a term policy and forget it. The only problem with term is that 99 percent of all term policies lapse without paying a claim. This is good because you’re still alive, but the cost of replacing a term policy expiring when you’re a senior is breathtakingly prohibitive. Knowing what I know now, I would have opted for a whole life Indexed Universal Life (IUL) insurance plan. Here’s why.
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