I advice consumers to buy a 20 year Term Insurance (or 30 year Decreasing Term insurance).
Some people felt that they need whole life insurance. They must have been "sold" this idea by an insurance agent. Here is the reason why a 20 year Term Insurance is suitable for most people:
http://www.youtube.com/watch?v=sGDgYLCpnDo&feature=related
At present, Decreasing Term insurance is not available in the market. It will be available in 2009.
Here are some benchmark premium rates:
http://www.tankinlian.com/faq/benchmark.html
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