The Great Life Insurance Debate: Term, Permanent, and the Truth in Between

Explore one of the most debated topics in life insurance with clarity and candor. Compare term and permanent coverage beyond surface level definitions and examine where each shines and where each can fail. Analyze behavioral financial realities behind buy term and invest the rest, review why older universal life policies are struggling, and assess indexed universal life marketing claims in light of public cases. Learn how DEFRA and MEC rules shape funding decisions and develop blended strategies that align coverage with time horizon, budget, and long-term goals.