ll11

bannisja,

so we should basically look as life ins as a part of our financial capital?

also, i read some threads about relationship between age and LI.... got more confused since:

1- i thought that ... as you get older... your human capital reduces ... and need for life insurance also reduces.

2- but then... when probability of death is higher.... demand for LI is high. so as you get older ... your probability of death increases and therefore your demand for LI shud increase?

how can i reconcile my thoughts (1&2)?