In the Season 6 opener, Mike Schwallie and Brad Lowe go back to basics. What is term life. What is permanent life. How do premiums, guarantees, riders, and flexibility differ. We walk through practical scenarios for families and business owners, including buy-sell and key person coverage, and show where cash value can support operations. We separate myths from facts and give a simple checklist to choose a mix that fits your timeline and budget. Educational only. Not tax, legal, or accounting advice.