Amplitude Modulation and Frequency Modulation are the scientific terms for AM or FM radio. What can we learn from the modulation of radio waves in the comparison of the waves that can ripple through our lives and the lives of our loved-ones through the use of life insurance portfolio? Are we planning for the "line of sight" like FM radio waves travel or can we bend the impact from our lives, similar to how AM radio waves can travel over countries and to the four corners of the world? AM radio, like solid whole life insurance can expand our horizon beyond what we can see with our eyes.