[Stu from NYC]

Originally Posted by retiredguy123

Unfortunately, many of the "advisors" who convince people to buy permanent insurance are actually insurance salespeople who make a large commission for selling the insurance. It's fine to speak to an advisor, as long as the advisor is not also an insurance salesperson. Most non-biased advisors will not recommend permanent insurance. The primary purpose for life insurance is to replace lost income for someone who needs financial support when you die. A "term" life insurance policy is the most economical product to accomplish that goal, not permanent insurance.

Well said