Let's face it. Some things are NOT worth dying for. And a large life insurance payout is not one of them. But what if you could use life insurance to live a better life? To not only retire more comfortably, but achieve your dreams? In this book, you'll read stories about families who did just that. Even confirmed bachelors and bachelorettes who did just that. And along the way come to understand in easy to understand language the technical aspects of life insurance to help you make this difficult decision today. Written by a real life insurance agent, you'll gain decades of perspective to see why life insurance is very much a tool best used for living by those of us wanting to live fuller, happier lives. TABLE OF CONTENTS: Introduction: Happily Ever After? 1. Story Time Examples! (Spoiler Alert: Everyone in These Stories Lives Because No One Wants to Hear ANOTHER Story About Someone Dying to Use Their Life Insurance!) The Martinez Family Moves Across the Country to A Dream Job with a Universal Life Insurance Policy The Li Family Survives Breast Cancer with an Protection Indexed Universal Life Insurance Policy The Patels' Repair their Home with an Accumulation Indexed Universal Life Policy Benjamin Brown, a Bachelor with no Beneficiaries, Uses a Whole Life Policy to Enjoy His Life Why the Kelly Family Chose to Convert their Term Policy The Abara Family Saves for the Future with a Term Life Insurance Policy Jane Suzuki Preserves Protects Her Fortune Joseph Kohen Helps His Grandchildren 2. Understanding Exactly What Permanent Insurance Is: The Life Long and Long Life Option Whole Life Insurance Guaranteed Death Benefit Cash Value Component Different Types Universal Life Insurance Traditional UL Indexed UL Guaranteed Universal Life Protection Indexed Universal Life Accumulation Indexed Universal Life 3. Understanding Exactly What Term Insurance Is: the Temporary Option Several Kinds of Term Insurance Level Term Decreasing Term 4. Typical Riders What If You Don't Die? You May Want A Return of Premium Rider For Injuries, Sickness, Disease and Disability You May Want Living Benefits Conversion Long Term Care 5. How Much Coverage Do You Need? Making Sure You Are Not Overinsured or Underinsured 57 Conclusion: Everyone Can Use Life Insurance While Alive Even Confirmed Bachelors and Bachelorettes can Use Life Insurance While They Are Alive As an Investment Tax Advantaged Emergency and Retirement Funding Assisted Living (even at your own home!) and Nursing Homes When You're Old Self Sufficient to the End Legacy Babies and Children Need Life Insurance Too Death or Disability of a Child For When They Are All Grownup: Financial Independence Don't Forget Life Insurance for the Parents Yes, You Do Need Life Insurance!