: Policies involve complex fee structures, surrender charges, and limited investment flexibility.
💡 : If you are unsure, many term life policies offer a "conversion rider" that allows you to switch to a permanent policy later without a new medical exam. should i buy permanent life insurance
What is your (e.g., protecting young kids, leaving an inheritance, or business planning)? : Policies involve complex fee structures
: It can cost 5 to 15 times more than term insurance for the same coverage amount. protecting young kids