When it comes to insurance, some say that it is best to buy term and invest the difference in something like a segregated fund. But I guess we all have different preferences when dealing this kind of business. I mean we have to look at our current situation too whether we can afford it or not because it’s usually monthly responsibility. As for that we can visit e&o insurance from TechInsurance.com to find out more about it. And yes it’s highly personal which plan we decide to go and best suited with our family.