The Perfect gift!

I'm always looking for the perfect gift and with 5 women in my family it isn't easy.  Is it in style?  Will it fit right?  Is it the right color?  Did her best friend just get one like it?  The wrong answer to any of these questions will render the gift a failure and probably doom it to be re-gifted to a lower level friend in the very near future. 

So, what can you get that your daughters, granddaughters and wife will love?  Well they may not love it now but a life insurance policy on a young woman will greatly help her in the future.  If you secure a whole life policy for them while they are young you are making sure that they will have life insurance at a reasonable price for their whole lives.  That's not something that you think about until the insurance guy tells you that because of your age we have to charge you a bucket load of premium for a small policy. 

Fact is that the younger you are the cheaper it is to insure your life and once you own the policy it doesn't matter what your health is as you age.  That policy will be there when you need it most.  I know a lot of supposed experts are saying that you should never buy whole life insurance (they say buy term and invest the difference) but when you can get a $50,000 policy for $16 - $20 a month on a young person and lock in that price for the rest of their lives why won't you?  You're not going to invest the $6 or so that you'll save with a term policy and the term policy will increase in cost throughout their lives.

There are a lot of reasons to buy a whole life policy for the young people in your life but the most important is that you will assure them of affordable coverage for all their lives!  This is just the right size, the right color, it's always in style and it will give them and their family benefits for decades to come.  No, it's not the prettiest or flashiest but you buy them that stuff all year long, for Christmas get them something that they will thank you for on their 40th birthday!

Good luck Shopping!