 TITLE: Should I Buy Life Insurance or Stocks? CONTENT: When It Makes More Sense to Buy Life Insurance\n----------------------------------------------\nIf you're paying off high-interest debt, lack an emergency fund, or are dealing with income insecurity, paying premiums for a life insurance policy may strain your budget. However, you may want to consider life insurance if any of the following situations apply to you:\n*   **You have a family.** Term life insurance costs less than a whole life policy; even more so if you're young and generally healthy. If you're looking to provide your family with a safety net should the unthinkable happen, a term policy might be an affordable option. The average monthly premium for a 20-year, $500,000 policy for a healthy 35-year-old male costs about $30, according to Policygenius.\n*   **You're conservative with your money.** Those who have their financial ducks in a row might like the idea of accumulating a cash value in a permanent life insurance policy. It offers a way to create a pool of money you can draw on if necessary—or leave to your beneficiaries. END