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[Music] [Applause] Youve got questions, Weve got answers. We have the man to answer them. Jeffrey Levine from Buckingham wealth partners. Jeffrey welcome back to another episode of Ask the hammer. I like it. Were gonna have to make that the new intro. Yeah I was thinking like jaws like ,sort of, like, but I dont know if that would be good. All right, now Im a little worried about what question this is gonna be. Well the question I have from a reader is an easy one for you Im sure. It goes like this. Should I convert my term life insurance to a permanent life insurance policy? Oh this is good. Youre right. It is easy. The answer is maybe. Done. Whats the next question you have Bob? Thanks nailed it again. Yeah this is one where it you know term life insurance is a tool, permanent life insurance is a tool. At the risk of uh you know, at the risk of of being a little silly here with our theme you know a hammer is one tool and a screwdriver is another. I