"Practically everyone asks what is the best kind of life insurance for him or her - and no one can answer with 100% accuracy. As one life insurance man put it, "First, tell me when you expect to die." Blunt as this may seem, it's true. The man who buys a 5-year Term policy and dies four years later has made an excellent choice. But if he lived another 13 months, and then died, his family would have received nothing. Obviously, you can't outguess the future, but you should choose policies that best meet your needs, and then ahve them tailored to fit your own situation."
Good Reading Rack Service, no date