@jakeclaverqfop: GET LIFE INSURANCE BEFORE YOU GET SICK. Term policy locks in your health panel TODAY. If you develop a heart issue or get a cancer diagnosis five years from now? Your premium is locked at the rate you got when you were healthy. You can convert to whole life or IUL later when you want to. This is one of those things nobody thinks about until they need it and the door is closed. Schedule the health panel this week.