Should I purchase Term or Permanent Life insurance? The answer is, both. That’s right, you will always have a need for Life insurance because it is guaranteed, with 100% accuracy, that you will die. Your Life insurance needs with change over time so you will need both Term and Permanent Life insurance. Term is cheap but it is great for covering large needs. Whole Life is more expensive but your rate is locked in forever and the policy builds cash value, which can be used while you are still here. Visit www.theandrewagency.com and complete the Life Needs Analysis to determine exactly how much coverage you need and then cover 90% of your need with Term insurance and 10% with Whole Life. Convert 10% of your Term insurance to Whole Life once a year for guaranteed protection.