Through our HOW MONEY WORKS TM materials, we teach people the basics of personal finance because we believe a solid foundation is the key to making healthy money choices. We pioneered the "Buy Term and Invest the Difference" philosophy - a crusade which revolutionized the life insurance industry and the investment business. And from the beginning, we have only offered term life insurance as part of our commitment to only market products that are right for the consumer, a philosophy we still apply to our solutions today.