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Purchase Cash Value Life Insurance, or Buy Term and Invest the Difference?

22.05.12

Many posters noted that they've used a combination of term life insurance to supplant their income in case of an untimely death, along with whole life and/or universal life insurance policies. Whole life policies provide a death benefit plus accumulating cash balances. Universal life policies also provide death benefits and build cash values, but they allow the insured more flexibility to adjust the timing and the size of premiums, which in turn can affect the cash values and death benefits.


Source: Morningstar.com

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