There's no doubt about it: Everyone needs a life insurance policy. Yes, even young healthy people, with no dependents, need at least a basic policy that will cover final expenses. But as we all know, our coverage needs increase dramatically as our lives become more complicated. You want to ensure that your dependents would be financially safe and comfortable in the event that something happens to you, and you might also have other goals that you want to accomplish with a life

Back when you first researched your life insurance options, a term policy might have seemed like the better deal. It featured lower premiums than the permanent policies of a similar value, and you weren't too worried about needing the benefits any time soon. So, you signed up for a term life insurance policy with a term of 5, 10, or perhaps 20 years. But now, if that policy term is nearing its end, the contract will soon expire. You certainly don't want to go uninsured at the