I’m shopping for additional life-insurance this weekend.  Erick has a decent policy, but mine isn’t great.  There are so many things to consider when buying coverage.  Firstly, I could (and likely will) go with term life.  Term offers a fixed rate for a period of time, but it doesn’t accumulate a monetary value like whole life (which could be borrowed against to put the girls through school).  The argument I’ve heard against whole life is this:  Put the difference in your term premium and whole life into an annuity or money market account.  

Wow, I’m literally buying peace of mind.