Joe Gaj, CLU®, Director of Insurance at Wealth Enhancement, was featured by The Wall Street Journal in the article, “Term vs. Whole Life Insurance: Choosing What’s Right for You”  

Joseph Gaj, director of insurance at the Wealth Enhancement Group in Howell, N.J., recommends looking at the term life policy’s conversion options before buying. A policy with much better conversion options might not cost much more than a policy with limited options. This can be especially helpful if you develop a health condition before you discover that you need coverage for longer than originally expected.  

“For an extra $5 per month, you could buy a policy with better conversion options,” he says. “We all know people get curveballs and their health changes through life.” 

Read the full article here:  

https://www.wsj.com/buyside/personal-finance/life-insurance/term-vs-whole-life-insurance