Buy term life insurance only and invest as much money in stocks as you can afford to lose. Diversify your portfolio with approximately five high quality investments. You can buy MET and BBT right now at these levels. If we get a 5 or 10 percent pullback - buy a little more. Then watch and wait until you make at least 20 to 30 percent. If you hold both stocks for 5 years, I predict that you will double your investment. Good luck whatever you decide.