Are you aware of the responsibility you have to protect your family? It’s called life insurance. Now, if you have no family and no one who depends on you, you can stop reading now. But if you have dependents and you have no life insurance, you’re putting your loved ones in a tough spot. Almost half of Americans either have no insurance or are woefully underinsured. So, this being “Life Insurance Awareness Month,” Clark feels compelled to remind you to buy life insurance. What kind of insurance should you buy? Well, you don’t want “permanent insurance” and that is what the salespeople will try and sell you. The three kinds you want to avoid are whole life, variable life and universal life. You want to buy the kind of insurance that is not considered permanent. It’s called “term” insurance and it’s based on the length of time you want to provide for your survivors. Usually ten times your income is the right answer. The good news is that term life insurance is cheaper than it’s been in a long while, so it’s also a deal.