Because term life insurance is a pure death benefit, its primary use is to provide coverage of financial responsibilities for the insured or his or her beneficiaries. Such responsibilities may include, but are not limited to, consumer debt, dependent care, university education for dependents, funeral costs, and mortgages.
The best time to visit Niagara Falls is June to August. Summer is peak season, and with good reason: Average highs are in the low 80s. Mists and breezes from the waterfalls can make the area feel cooler.
July and August are the busiest months. June and September are the best times, as the weather is nice, all attractions are going and crowds are much less. Toronto is about 1 1/2 hour drive from Niagara Falls. You should definitely consider spending some time there since you are so close.