A single client with no children may:

a.Want to consider life insurance for its superior returns as a retirement planning tool

b.Need to purchase several hundred thousand dollars in coverage while they are young and can access insurance cheaply

c.May have no, or very limited, need for life insurance

d.Should purchase life insurance on the life of a sibling as a retirement planning tool

Financial planning professionals make recommendations based on

		a.Great E & O coverage
		b.Professional judgment
		c.Strong arbitration agreements
		d.Good computer models