I am a piece of paper, a drop of ink and a few pennies of premium.

This is how it all starts. You want to protect your family. You know that the best way to provide for them in the event of your death would be an immediate cash payment. And the larger the better. So you make the smart decision and contract with an insurance company to exchange a few pennies of premium each month for a piece of paper with some ink on it. But it's the words written with that ink that are so powerful, because contained in those words is the promise that the life insurance company is making with you--the promise to provide an immediate cash payment to your grieving family, right at the time that they need it the most.

Next: The promise...