It really depends on your goal, and how you and your beneficiaries will use the money. People often purchase life insurance to cover their outstanding mortgage balance; in the event of their death, their house can be fully paid, and their family can live comfortably without having to worry about incurring a great debt. Other people buy insurance policies that allow them to take income or provide income to their family upon the insured person’s death. Experts at Forbes believe that, before you invest in an insurance policy as an investment, you should determine the amount you actually need, and the ultimate purpose for acquiring the policy.