Commentary: Permanent life can be better than term for some clients

Insurance agent Brendan Ryan examines a scenario in which a healthy 63-year-old man purchased a 20-year $250,000 term life policy with premiums that would soar in the 21st year. The same amount of permanent insurance would cost twice as much but would include a long-term-care benefit and a stable premium, Ryan writes. The Cincinnati Enquirer (tiered subscription model) (9/16)