In last week’s blog, I talked about protecting your income. Please, if you haven’t read that, check it out. I’m going to continue to remind you to look at this.

However, EMC National Life Company has introduced two simplified issue products, one is term life and one is whole life, to their individual portfolio. These use a new short form application. They are quick and easy, I can do your quoting and your application online. Life changes, as I mentioned before. So, please, give me the call, let me do the work. I’ll show you the options and the numbers will actually guide you to the right answers for you and your family. There are no medical exams; it is simplified underwriting, up to $100,000. The prices will knock your socks off. Very, very low.

These term products not only are inexpensive, they are fabulous for buy sell agreements, for key employees, for children. There are a host of appropriate niches for term insurance. Whole life, on the other hand, can be used for planning final expenses, covering taxation from one generation to the next. And you cannot outlive it. Whole life costs more than term, obviously, but the question remains, what do you need and how much do you need? That would determine, or help you determine, some of the choices you need to make for your loved ones.