In the simplest terms, for most people, families and small businesses, term life insurance is right because it is the most affordable way to get the right level of protection needed.  It is rare that we find a life insurance need that can not be filled correctly with term life insurance.

From time to time, people and business will need cash value or permanent life insurance for tax, pension maximization, estate planning, buy-sell, key man or other reasons.  In those cases we use our vast financial planning experience in constructing plans that make sense.  At Wisquote, all of our recommendations are based upon what is right for each client.

Visit this Smart Money magazine article for an objective view.