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[raustin3 AT nc.rr.com]

----- Original Message -----
> If you want life insurance, get term life.  If you want to invest 
> in something invest in mutual funds, stocks, bonds, etc.

 Absolutely. Insurance is a tool, not an investement.

 Figure out what amount of funds your beneficiaries would need 
to _survive_ your untimely demise. Figure out how long they 
need it before they recover and move on with their lives. Get 
that amount of term life insurance. Don't over or under insure. 
If things change, modify the amount of the policy. Don't over 
or under insure.