We know insurance is subject to provide security for every one to prevent him/her self avoid future uncertainties, now a days people can invest their money in stock market, mutual fund, share broking, agency dealership etc. Everybody want affordable insurance, but the average amount pay for insurance every year its varies from state to state and standard of living economy., some people go for long term insurance some go for short term insurance its depend upon their continuity their premium with all balanced activity in their general terms:-
Firstly: Insurance per capita enhance the term in this uncertainty world a single person how much spend price in his future safety, it may vary due to living standard of the people.
Secondly: Everybody should invest at least a little portion of amount in his/her security not only to protect him/her self for unusual debt , but also some hide circumstances which will be more helpful at those time when required this maturity amount to get out
"Price is what you pay. Value is what you get"