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Life insurance is the company betting you are going to live longer than average and the customer betting he/she won't. If you are young the rates will be inexpensive and the whole life style will build up some solid cash value. If you are older term is the way to go and invest the difference. However the key is to systematically invest. That is where the whole life product pays off. I'm partial to Northwestern. They have a solid reputation and the salespeople aren't as pushy as most.
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