I am male 40yrs old non smoker had heart surgery but now am fine, wife smoker also 40, 3 children 7,8,9yrs old. We do not own a home, we rent and I just want something so if anything happens to me or my wife that the others will be set for a long time. I do not want any investments, I just want to pay x dollars a month and that's it. We have never had insurance and I keep seeing how it is so easy to get scammed into paying huge amounts and ending up with squat. I think it is Term insurance we want, until our youngest reaches about 23 so 20 yr term? And I want that to be used towards whate
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