That is great that you have that security, but you are one of few people that I know that has that. I know allot of people would love to be able to say that but most people cannot say that thier assets will be able to take care of their family in the case of thier loss.

You say after 65. I know that it is hard to admit and allot of people don't like to talk about it, or think this way, but not all people live to be 65. There are hundreds of people that die young everyday. I am not trying to scare anyone but it is just fact.

So would you be able to take care of them today if something were to happen?

Like I said earlier the whole life insurance policies are good for supplementing a retirement, some can fund the retirement, but the main reason for the whole life policies are to have that bridge to stability, and to have it when you die, to make sure that the money you put in is there when you die; not expired when you live past a certain point like a term policy.

Another thing that whole life policies do is give you access to that money that you are saving for your family, when you die, today. Instead of living off the interest that most people do in their senior years that principle is there to use if needed. It is fact that people are living longer today and a whole life policy will help ease the fear that the money that you have for retirement will run out before you die. And it offers a sizeable, tax free, guaranteed death benefit to pass along to your family.

No doubt the younger you are when you start the lower the premiums and the more time you are accumulating cash value. But the optionsare there for older people that do not have security.