Folks, every one of us has different needs and different goals...
There is no such thing as one policy fits all, and clearly, there is no one insurance company that will have every type of policy available to cover all needs. That is why I prefer the independent life insurance agent, who can do business with many insurance companies instead of a captive agent who works only with one company. Find someone you feel comfortable with, and use common sense, good planning, and good budgeting. I really believe that the life insurance industry, which by the way is the largest and the most stable and secure of any industry in the world, is the answer for a very secure and successful future.
I like the stock market, the bond market, the mutual funds market and the possibilities for great returns the offer. I know that fortunes have been made with these investment vehicles and I also know that fortunes have been lost. It is a very exciting idea to pick a good stock or mutual fund, invest some money (that you can afford to lose) and look forward to a great return. But when it comes to planning for a concrete future and a stable and predictable tax-free retirement, starting early in life with a good insurance policy can beat the odds every time.
I am very happy to know that my clients enjoy a more secure life with a better outlook for their future.