So you know you need life insurance. You called your local agent and made an appointment thinking you would go in, fill out an application, get a medical exam and all would be done.  But as you sit there listening to phrases such as "term", "whole life", "universal", and "universal variable" you realize there is much more to insurance than you ever thought - and more than you wish you needed to know.  The variety of insurance products serve a variety of needs, but once those needs are established, one question often remains: how long will you need life insurance?

We all know we need it yet we avoid it like a root canal - the ever-dreadful life insurance. Its purpose is simple, to provide your family a means of support in the event of your death. Essentially it's a safety cover around your family, allowing them to live a comfortable life if you are gone.