Before I begin the analysis, I think a fundamental question should be asked – “Do I need life insurance?” My answer is “yes” in 2 circumstances: I have dependents/others relying on my income, and/or, When I purchase an asset (i.e., a dental practice) and it’s required. In these situations, I recommend a term life insurance policy. Some advantages of a term life policy are the premiums are significantly cheaper vs. a permanent life policy (whole, universal, variable, etc.) a