World Nomads considers skiing to be high-risk, but since I’m only a beginner snowboarding for two days, should I pay for their full adventure premium? Would it be smarter — and cheaper — to look for a basic U.S. travel policy and just add a specific 'snow sports' rider for the weekend? I want proper coverage without overpaying for extreme sport status.

Why in the U.S , mostly term life insurance advised for most of the people, whereas whole life policies are often better suited for wealthier individuals or corporate tax strategies? And while purchasing whole life insurance, how can you prevent being duped?