izer's sister, Czara, is a 35 year old female. She plans to have children. She is in excellent health. Her family has a history of heart disease, but she has a healthy lifestyle and isn't overly concerned about that. She wants to select a plan and then not have to deal with it again. Which insurance policy is best for her?

For Czara, considering her age, desire to have children, and focus on not wanting to deal with insurance decisions frequently, a **whole life insurance policy** might be the best option. Here's why:

1. **Coverage for Life**: Whole life insurance provides coverage for the entirety of Czara's life, as long as premiums are paid. This means she won't have to worry about renewing or reapplying for insurance as she gets older.

2. **Cash Value**: Whole life policies accumulate cash value over time, which can be borrowed against or withdrawn for various needs, such as funding her children's education or supplementing retirement income.

3. **Stable Premiums**: Premiums for whole life insurance are typically fixed and guaranteed not to increase as Czara ages, providing financial predictability.

4. **Family History of Heart Disease**: Given her family history of heart disease, having a life insurance policy early while she's in excellent health can ensure she locks in coverage regardless of any future health changes.

While term life insurance is often more affordable and suitable for temporary needs like covering mortgage or children's education costs, whole life insurance aligns with Czara's preference for a long-term, stable insurance solution without having to revisit insurance decisions frequently.