Because term life insurance is a pure death benefit, its primary use is to provide coverage of financial responsibilities for the insured or his or her beneficiaries. Such responsibilities may include, but are not limited to, consumer debt, dependent care, university education for dependents, funeral costs, and mortgages.
The best time to visit Niagara Falls is June to August. Summer is peak season, and with good reason: Average highs are in the low 80s. Mists and breezes from the waterfalls can make the area feel cooler.
If you happen to visit Twin Falls in late spring or early summer, Shoshone Falls Park is definitely a must visit as large volumes of water cascading down a 212-foot drop (which is 45 feet taller than Niagara Falls) around those times make tourists highly eager to go to the park to catch the glamour of the waterfall, making it quite popular.