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Strategies & Market Trends : Anthony @ Equity Investigations, Dear Anthony, -- Ignore unavailable to you. Want to Upgrade?

To: SI Dave who wrote (89041)	1/2/2005 11:29:56 PM
From: Mark Marcellus	Respond to of 122089

As I said I agree with you on Orman, but as absolutes go "always buy term" is one of the better ones. Maybe a better way to put it is "if you don't buy term it should be because you don't mind being ripped off a little to avoid putting time and effort into finding a better solution, or you have very specialized needs combined with a net worth that will allow you to hire a financial consultant instead of getting your advice from the tube." Estate issues are really the only ones I can think of where a non-term policy could make sense. I believe even those situations are becoming less common between the closing of tax loopholes on the one hand, and the drive to virtually eliminate the estate tax on the other.