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Answered 2012-03-09 14:34:56

Best type of life insurance for YOU may not be the right coverage for another person.

If you are looking for temporary protection until your children are financially independent you may want to consider term insurance. Term insurance policies with Return of Premium are also available, which return all of your premiums at the end of term if you outlive your term policy.

If you want to have protection throughout your life and protect your spouse or dependents after your own retirement, then a permanent type of life insurance will be the best for you.

If you're looking to supplement your retirement funds you can get a whole life or universal life insurance policy and also can take loans out of the cash value.

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