In 1977, we were founded on a simple idea: Just do what's right. That concept remains at the heart of everything we do for Main Street families every day. Through our HOW MONEY WORKSTM materials, we teach people the basics of personal finance because we believe a solid foundation is the key to making healthy money choices. We pioneered the "Buy Term and Invest the Difference" philosophy - a crusade which revolutionized the life insurance industry and the investment business. And from the beginning, we have only offered term life insurance as part of our commitment to only market products that are right for the consumer, a philosophy we still apply to our solutions today.