My readers would know that I only have term life insurance in my insurance portfolio that are fuss free and simple monthly expenses paid to manage the risks of death or disability. It's ultra light weight and does not take up too much of my monthly expenditure. Recently I had an interesting conversation with my insurance agent who services my family's hospitalisation insurance policies and he share an interesting perspective about why he advises his clients to hold a traditional life insurance as the basis of their insurance portfolio and further supplement with term life insurance to layer on additional death and total and permanent disability (TPD) insurance coverage. The goal is for his customers to be able to afford to pay for adequate insurance coverage no matter how bad the circumstances becomes. I felt it was interesting enough to warrant writing a blog article about it and let you decide if you agree with this view point....