The premiums on your whole life policy are going to be a whole lot less than a term policy at age 61. Also most companies are going to limit you to a 10 year term policy, which means that at renewal, the premium will be based on attained age. Over 70, the term policies become cost prohibitive. Term policy can be compared to renting a place, once you quit paying for the place, you don't have anything. I would keep my whole life policy, even though it may be more than you need. Another thing you need to be aware of is that life insurance transfers tax free. I would also advise you to have your spouse have a bank account, checking or savings, without your name on it. When you pass and medical examiner is notified, state freezes your accounts. No one can get a dime. Have a seperate account and instruct your spouse is to move some money before calling funeral home or anything.
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Today's Featured Article - Tractor Profile: Silver King - by Staff. Silver King tractors were produced by the Fate-Root-Heath Company of Plymouth, Ohio. The company was founded by John Fate in 1884 and was originally called the "J.D. Fate Company". After several mergers over the years, the final company name of Fate-Root-Heath came about in 1919. The first tractor produced was actually called the "Plymouth" tractor and was powered by a 20 HP 4-cylinder engine with a 3x4" bore and stroke. The four speed transmission had a top speed of 25 mph! After more t
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