After we get married, should we buy term policies or permanent policies?

The decision to purchase a permanent life insurance policy or a term policy is a challenging one. If you’re looking for a cheap, short or mid-term policy to help pay debts if you should pass away while you are still paying off your mortgage, then term policies might be the right answer for you. If you’re concerned about long-term planning, have a comfortable budget, want to be able to tap into your plan’s cash value at retirement and are concerned about someday becoming uninsurable due to illness, then a permanent policy might be a better choice. If you aren’t sure, you can even buy some death benefit in a permanent policy and some in a term. When designing your perfect life insurance plan, don’t be afraid to think outside the box and ask your life insurance company or agent to help you find the perfect solution for you.