1. What were your feelings about the need for life insurance before you read this chapter? What are they now?

2. Are you covered by life insurance? If so, how much? Do you feel that you are over- or under-insured?

3. Why do you think people persist in buying cash-value life insurance when, in most cases, they would be better off buying term insurance and investing the money saved into a retirement account?

4. Many people today choose to cohabitate rather than marry (at least for some time period). How might this affect their thinking about life insurance?