Life Insurance can provide a level of certainty that the money will be there that few other vehicles/investments can provide. This gives you the peace-of-mind to feel comfortable in your planning and freedom to spend and take other risks.

And because the Life Insurance is providing the desired monetary transfer, you can feel free to spend your hard-earned assets in any manner you see fit, without the old worries of "spending your kids inheritance".

* Note: Example outlines Husband/Wife age 70 and rated preferred non-smoker. Assumes level premiums paid through age 90 on a standard universal life (survivorship) product.