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.
But if you don't mind marveling at the falls with plenty of other tourists, you'll be rewarded with 70- and 80-degree temperatures. If you are planning to stay the night, book two to three months in advance to secure the best hotel deals. Key Events: Niagara Homegrown Wine Festival (June) Niagara-on-the-Lake: Peach Festival (August)