The concept of a “healthy” or “good” debt has been talked about, but as with any sort of borrowing, there are things to look out for before taking a loan. While doing a yearly review of my finances earlier this year, a financial adviser I met suggested buying an insurance policy that might yield attractive returns. It was a tempting prospect but the annual premiums were beyond my means. The financial adviser’s suggestion? Take a loan with an interest rate lower than the insurance policy’s