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Term Life Policy Versus Whole Life Policy

This one really hinges on what one needs and desires. For starters, these two policies feature a death benefit. On one hand, the whole life policies can give off additional benefits and bring more flexibility in the insurance policies. Not only that, the premiums usually have to stay the same for its entire life.

On the other hand, the term life policies give off fewer benefits, but are also less expensive. Your premiums usually stay constant over the term of the policy, and the moment it becomes expired, you have to get and pay more for your next insurance policy. Usually and practically, the most cost-efficient way to get insurance is when you are young.

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