Everyone's need for life insurance is greater when their responsibilities are greatest, such as when your children are young, you have a mortgage payment, and so forth. As you get older, your responsibilites decrease; your children are grown and on their own, your home is paid for, and routine payments are reduced. The Financial Life Cyle illustrates the wisdom in protecting your family in the early years with low cost, high coverage term insurance. By protecting your family with low cost term insurance, you will be able to save and invest the funds you do not spend on high cost, low coverage permanent insurance into other programs. Your goal is to be SELF-INSURED at retirement.