 i've got some good news and some bad news the good news is the people have started buying life insurance to protect their families at levels not seen since the nineteen eighties the bad news is many of them are still buying crappy cash value type plans i don't care what you call them whole life universal variable adjustable flexible nothing but a waste of your money don't be confused and let someone sell your plan that sounds better than it really is look term life is the only way too