I must have hit the magical age when life insurance reps come knocking at your door selling their whares, because that's exactly what's been happening to me as of late (and by phone... and by mail...)

Now I've thought a lot about Peak Oil and the economy, but never from the insurance side of things. Surely life insurance can't be the most stable of investments to make these days, but would a term policy for say, 15 years, be somewhat wise? Or maybe a longer policy for a small amount of money in case any sort of business model survives what's coming? Any knowledge of local insurance co's that keep money here?

If you've put more thought into this than me, please let me know your thoughts.

Scott