Todd: People can buy what they call term life, which covers you for a specific period of time, which is what I bought. It basically says that I bought a 20 year term policy. If I should pass away during that 20 year term I get whatever the face amount is that I purchased. At the end of the 20 years, if I’m still alive the policy ends and there is no further coverage. So that covers a lot of people for most of the needs that they have, but there’s also people that have what they call a whole life policy; which is more designed as like what they call a final expense or a burial policy. So when I pass away, there is going to be some expenses obviously for a funeral. So you want to have some type of a permanent policy that pays when you pass away, not if you pass away during a certain period of time. So there is a couple of different types of policies, and on top of that you can kind of stack policies up. You can buy a 10 year term then after 10 years are coming due maybe you’re interested in another one. Maybe you buy a 20 year term on top of that. So there is a lot of different ways that you can kind of layer your insurance to provide the best protection.