We all need life insurance and the one that we usually choose is term life. All pools and studies say that this is the number one life insurance sold in USA. The reasons behind this are – its simplicity (it provides basic coverage) and its price (cheapest form of life insurance). This may be news to some, but there are other insurance products that can offer more and are also adjustable and flexible to suit all our needs and changes throughout the life. Whole, universal and variable policies can provide more than just basics.