Understand the value of both permanent and term life, such as:

Term Life – a good fit for people in their young adult years before a  
family is dependent on their income

Permanent Life – ideal for people who value predictability and security

Term Life – essential protection while you’re working

Permanent Life – a stable financial asset on your balance sheet that will
never lose value year to year

Permanent Life – has a cash value that can be accessed over the lifetime
through a policy loan to supplement retirement, college tuition, down
payment on a home, a business, and emergency funds or pay the
policy itself