Term vs Whole Life Insurance

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Why are we such strong advocates of term insurance? Because Whole Life insurance is not only expensive and inflexible, it’s unnecessary. The bottom line is: Term insurance is the only way we can insure ourselves fully without over-burdening ourselves with premiums. People are also often told that Whole Life insurance is better because they are able to get money back if they choose to surrender the policy. We explain why that statement is only half the truth.

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