Life insurance on the caregivers of disabled plaintiffs and minors is an important consideration in the settlement planning process. While there is a wide variety of products and plan designs to suit the needs of a particular case, some have opined that in single premium life is the way to go. Is it? John Darer, CLU ChFC CSSC RSP, a Registered Settlement Planner and life insurance expert disagrees. Single premium life requires the greatest up front investment and if the insured dies soon after the policy is issued, or even within a few years, the form of insurance provides the greatest windfall to the life insurance company. In this video podcast John Darer elaborates on why Single Premium Life insurance is less appropriate as a settlement planning vehicle and discusses some of the alternative forms of life insurance that may offer a better settlement planning solution.