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: Oliver 70 Row Crop - by Staff. The Oliver 70 was part of the "Fleetline Series" and was manufacturered from 1937 to 1948. The row-crop configuration could have either dual or single front wheels. The Oliver 70 was also offered in the standard, orchard and industrial configurations. The tractors were sold in Canada. An early advertisement states "Power when you want it - power when you need it - power to help put in crops when field conditions are right and time and help are limited. That's the power you'll find in an Oliv
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