Whole Life - a pretty conservative asset

Regardless of age, every portfolio should balance risk and safety.

Every financial product, including life insurance products, fit into an asset class. You need to balance all of those assets so that you can sleep at night while maximizing your assets' returns.

Amazing stat: The average Baby Boomer has less than $50,000 accumulated for retirement. Life insurance products can help.

Life insurance products are the only investment that allow you to accumulate money tax free, enables you to access the money tax-free, and blossoms in value and transfers free of income tax when you die (provided premiums are paid and up to date).

Whole life products can offer guarantees for the things that mean the most to you.

Changing Jobs? Lose a Job?

Remember that many, many employee sponsored group plans will not provide you life insurance coverage post leaving a job. One day you might wake up having left your employer of 28 years and suddenly you need to buy your own life coverage. Now, you've gained 20 pounds and it'll cost 1800/year.

Understand your benefits, control what you can, when you can.