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Term Life vs Whole Life
The question is often asked, "Why Term life instead of Whole life or Universal life?" There are
licensed professionals in this field that will disagree with us, but the cost of Whole or Universal
life policies is not worth the expected benefits. When we compare to the cost to Term life, Term is
a fraction of the others. Most cannot afford Whole, Universal or Variable life polices anyway. The
reason stated for buying them is for the cash accumulation aspect that is supposed to be there for
us in the latter years. By time the fees within the policy eat up your premium dollars it just doesn't
add up.
Some will tell you that you do not have the discipline to buy cheap term and invest the rest, so buck
up 'en pay through the nose for this or that investment grade life insurance. Whether you can afford
the high premiums or not, they're still not a good deal. It's life insurance, it functions well if you die.
Most people we quote can just afford term life insurance to protect their families.
When they have more money and the goal of retirement, we put them into an Annuity that is right
for them. Their money goes farther and the investment return is superior. The only time a whole life
policy is worthy of purchase is when picking up a small one to take care of burial expenses that
have not been prepaid. That is an excellent way to use a whole life policy.
Free Quote and Insiders Guide to Life Insurance Click Here
If you are thinking about planning for retirement or earning a return on your investment, consider
investing with annuities. With annuities, you can receive regular income from your invested money.
You can start earning now, or after retirement and you can invest as much as you want, unlike IRAs
(Individual Retirement Arrangements), which can limit the amount that you contribute annually.
To find out more, Click here for Annuity Information.
To get a free quote and Insiders Guide To Annuities
Disability Insurance Free Quote (To Qualify: healthy, not disabled, make $18,000 per year or more. Insiders Guide)
Are you uninsurable on a standard life policy? If so you may want to look at this guaranteed issue
life insurance policy.
$15,000 Term Life policy with no medical questions. Free Life Insurance Quotes
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