Question: I’m 36 and make about 0,000 a year. My wife stays at home and cares for our three young boys. For about nine years, we have been paying into a variable universal life insurance policy that has a 0,000 death benefit and a cash value of about ,000. My agent now wants me to move into an index universal life policy with a death benefit of 0,000, which would increase my payment by 0 a month. I have read that this type of insurance may not be right for my family. What do you recommend? —Eric, Pleasanton, Calif.

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