Sometimes, when I get a great day, a friend who believes in insurance writes a passionate message to me to take issue with my ideas on insurance planning. This inevitably strengthens my position, since insurance agents seldom want to talk to me anymore, it updates me on their various tactics which I share with there readers. Let me summarize my idea on insurance. I believe in "Buy term and Invest the Rest". This means not only maxing up your term life insurance, it means saving up what you would have spent on insurance on an investment portfolio of your choice. My personal choice of investments are high yielding stocks, REITs and business trusts. Some folks told me that insurance companies invest in the same things to meet their liabilities. Here are some of the resistances to my idea : a) Term Life does not last forever.  We all know ......