Cannot bang this drum enough; if you're not already rich you should have term life and *probably* private long-term disability.https://twitter.com/__shale__/status/858914592331714561 …
Discount is considerable if you get unhealthy later. Plus you can buy combo term life and savings plans that convert to annuities.
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That's what I did. I pay in for ten years and it then converts to savings + interest, but the insurance last next 30 years.
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For the extra you pay, would it be better as an etf? I've understood they're worse than normal investment if evaluated that way.
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