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Whole life insurance includes a death benefit, but also has an investmen.
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Depreciation is the loss in value of an asset because of usage and/or the passage of time. Truth be told, many of us have too much life insurance th. You can calculate depreciation using a standard schedule (equal amounts every year) or an accelerated schedule (higher amounts in the earlier years). When you calculate insurance premiums, the most important piece of the puzzle is the type of insurance you're attempting to price. Figure out what kinds of insurance you need (or don't).
If you have a family that's dependent on your income, then you need life insurance.
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