Life Insurance on Terms

It's going to be time again soon to renew my life insurance. I can't wait to proudly tell my insurance agent that I have quit smoking for over a year. That will really improve my rates. He's been bugging me for years to quit. I am considering switching form whole life to term life insurance too. Term life is much more affordable which will be helpful at this time as we make transitions into retirement years ahead. We don't have the big overhead expenses to cover if we both pass that we did before, so really we just need to cover the expenses of our burials so the remaining spouse isn't left with big bills, or our kids aren't made to make difficult decisions. A term life policy for 20 or 30 years will more than cover our time left, and cover all our bills, burial, and even leave some money left over for the one of us remaining, or our kids. Life insurance can be hard to think about because no one wants to have to use it, but no one wants to be left without it either.